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  1. Home
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  5. Retirement Savings
  7. reserveringsruimte

Reserveringsruimte: Use Unused Pension Room

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

If you didn't use all your pension contribution room (jaarruimte) in previous years, you can still use it now via reserveringsruimte.

Action Steps

  1. 1Look back 7 years for unused jaarruimte
  2. 2Maximum reserveringsruimte is €42,108
  3. 3Calculate your unused room on the Belastingdienst website
  4. 4Can make large catch-up contributions
  5. 5Especially useful if income increased recently
  6. 6Get both Box 1 deduction and retirement savings

Requirements

  • •Must have unused jaarruimte from previous 7 years
  • •Maximum €42,108 catch-up contribution

Calculate Your Savings

Reserveringsruimte: Use Unused Pension Room

If you didn't use all your pension contribution room (jaarruimte) in previous years, you can still use it now via reserveringsruimte.

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

Lijfrente: Tax-Deductible Pension Savings
This information is for guidance only and should not be considered professional tax advice. Consult a tax professional for your specific situation.