Explanation of gross-net calculation

On this website you will see gross and net amounts. Below you can read how these amounts are calculated.

Gross annual amount

Pension providers submit gross annual amounts to Mijnpensioenoverzicht.nl. We add up all gross annual amounts. Then we set off the income tax. Hereby we take into account the general tax credit. Before your AOW age we do not apply the general tax credit, but after your AOW age we do. And we take into account the income-dependent contribution for the Healthcare Insurance Act. After this calculation, a net annual amount remains.

Net amount per month

We divide the net annual amount by 12 months. This is your expected pension net per month. Your holiday pay is not shown separately. We include holiday pay in the monthly amount. And we do not take into account deductions, allowances or income you receive in addition to your pension.

Amounts differ

Mijnpensioenoverzicht.nl gives you an estimate of your expected pension. The gross-net calculation may differ from the amount you eventually receive from your pension provider. This is due, for example, to the tax choices you make at that time.