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  5. Wealth Tax Optimization
  7. pension-reduces-box3

Pension Contributions: Double Tax Benefit

Medium Priority
Wealth Tax Optimization
Estimated Savings
€0 - €1,000

Lijfrente contributions before Dec 31 reduce BOTH your Box 1 taxable income AND your Box 3 wealth on January 1st!

Action Steps

  1. 1Contribute to lijfrente before December 31
  2. 2Money moves from taxable Box 3 to pension vehicle
  3. 3Get immediate Box 1 deduction at your marginal rate
  4. 4Pension assets are exempt from Box 3
  5. 5Later withdrawals taxed at likely lower retirement rate

Requirements

  • •Must have jaarruimte (pension contribution room)
  • •Contributions locked until retirement age

Calculate Your Savings

Pension Contributions: Double Tax Benefit

Lijfrente contributions before Dec 31 reduce BOTH your Box 1 taxable income AND your Box 3 wealth on January 1st!

Adjust Your Situation:

Amount you could reduce before Jan 1

Calculation Breakdown

Base Amount
€100,000
Deductible Amount
€20,000
Tax Rate
36.0%
Annual Savings
€92
Tax-free allowance 2026€59,357
Box 3 tax rate36.0%
Deductible percentage:20.0%

Important to know:

  • • This calculation is an estimate based on 2026 tax rates
  • • Actual savings may vary depending on your total income
  • • Always consult a tax advisor for complex situations

Questions for Bas

Related Tax Advice

Green Investments: Extra Tax-Free + CreditJanuary 1st Timing: Reduce Box 3 SnapshotConsider a Spaar-BV for Large Wealth (€200k+)
This information is for guidance only and should not be considered professional tax advice. Consult a tax professional for your specific situation.