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  1. Home
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  5. Retirement Savings
  7. lijfrente-contributions

Lijfrente: Tax-Deductible Pension Savings

Medium Priority
Retirement Savings
Medium risk
Estimated Savings
€0 - €1,000

Voluntary pension contributions (lijfrente) are fully tax-deductible, saving you up to 49.5% in taxes now.

Where do you do this?

Bank / pension provider
Belastingdienst

What did we assume?

These inputs are still unknown. Confirm them for a more accurate estimate.

Gross salary
Age
Employment type

Action Steps

  1. 1Calculate your jaarruimte (annual contribution room)
  2. 2Contributions deductible at your marginal tax rate
  3. 3Withdrawals taxed at likely lower retirement rate
  4. 4Reduces Box 3 assets AND Box 1 income
  5. 5Contributions locked until retirement age
  6. 6Deadline: contributions must be made before December 31

Requirements

  • •Must have jaarruimte
  • •Funds locked until retirement

Calculate Your Savings

Lijfrente: Tax-Deductible Pension Savings

Voluntary pension contributions (lijfrente) are fully tax-deductible, saving you up to 49.5% in taxes now.

Adjust Your Situation:

Amount you plan to invest in lijfrente

Calculation Breakdown

Base Amount
€5,000
Deductible Amount
€5,000
Tax Rate
0.4%
Annual Savings
€19
Max jaarruimte 2026€35,589
Max reserveringsruimte€42,753
DeadlineDecember 31
Deductible percentage:100.0%

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

Reserveringsruimte: Use Unused Pension Room
This information is for guidance only and should not be considered professional tax advice. Consult a tax professional for your specific situation.