Uniform Pension Overview: Who Qualifies and What You Get
See a consolidated view of your AOW and private pension accrual to understand your future income in the Netherlands.
This scheme provides a single, clear overview of the different pension amounts you have built up over time, helping you understand your future financial situation.
Who it's for
This service is available to anyone who has worked or lived in the Netherlands. Because pension accrual is often tied to your time spent in the country, this overview is designed to help you track what you have earned through your various periods of residence and employment.
What you get
You receive a consolidated view of your AOW and your private pension accrual. The AOW is the state pension you earn through the social security system, while the private pension accrual refers to the pension funds you have built up through your various employers. By bringing these different pieces together, the scheme allows you to see your total projected pension income in one central location rather than having to contact multiple different pension providers.
What it costs you
Using this service is completely free. There are no subscription fees or administrative charges to view your data. To access your personal financial information and secure your privacy, you are required to use your DigiD to log in to the system.
The catch to know
It is important to be aware of a common issue known as a "pensioengat," or a pension gap. This is particularly relevant for freelancers and those working as ZZP'ers. Unlike traditional employees who automatically accrue an employer-based pension as part of their employment contract, freelancers do not automatically build up these private pension funds. This can lead to a significant gap in your total retirement income if you have not made separate arrangements.
How to apply
- Navigate to the official portal website.
- Use your DigiD to log in and verify your identity.
- Review the consolidated data regarding your AOW and private pension accrual.
- Check for any gaps in your coverage if you are self-employed.