Privacy first · pension planning for the Netherlands
Turn your jaarruimte into a professional pension plan
Jaarruimte is the amount you may put towards your pension each year with tax relief. Enter last year's income and pension accrual and see straight away how much that is for you, what you get back and what it could grow to.
No account needed. The full planner is invitation-only: or request access.
Calculation rules tested against the Belastingdienst's own tool, to the euro.
Example calculation
Full planner: from document to overview
Income
€ 65.000
Employer accrual (Factor A)
€ 600
Available space
€ 9.988
Tax refund
€ 3.751
Pension pillars
€ 49.000 gross a year
€ 20.900
AOW
€ 18.400
Employer
€ 7.300
Annuity
€ 2.400
Wealth
Pensionplanner in one minute
From scattered pension statements to one net amount per month. Watch how it works, or jump straight to the part you want to see.
Pension space is valuable, but often scattered.
Income, Factor A, previous deposits, employer pension, and wealth live in different documents. This planner brings them together and translates them into annual space, tax benefit, and pension income.
Upload documents
Upload an income statement, UPO, annual statement or Mijn Pensioenoverzicht file. We read out the figures that matter.
Automatic calculation
We apply the official rules of every tax year from 2017 through 2026.
Instant insight
See your annual room, tax benefit and providers, what your annuity pays out later, your pension per pillar and whether you reach the income you want.
Explore the core tools
Your jaarruimte and tax refund are free to calculate. Comparing providers, the annuity payout, the total overview, your plan, together with your partner, and the advice are part of the full planner.
Tax benefit
Tax benefit for a sample deposit
Deposit
€ 9.988
Tax refund
€ 3.751
With an income of € 65,000 you get 37.56% of your deposit back: the rate of the second tax bracket.
All your figures in one report
Pensionplanner puts your room, your deposit, your future pension and the income you want into one clear report. To keep, to discuss with your partner or to take to your advisor. Part of the full planner.
A cover that is about you
The columns on the cover are your own pension: state pension, employer pension and annuity, each as tall as what it pays per month.
What you can do now
Concrete steps with a date, such as depositing before 31 December, to tick off.
Your plan and your choices
Whether you reach the income you want, what happens if you become unable to work, and the providers you chose yourself.
In your advisor's house style
Advisors add their logo, details and AFM registration. Their client gets the report from their own firm.
With sample figures from a fictional household.
Privacy & trust
Your calculation stays in your own browser. When you upload a document in the full planner, our server reads it with Google Gemini and does not keep it.
Local storage
Income, Factor A, deposits, and pension capital are stored in your browser.
Tested against the Belastingdienst
The calculation rules are tested with the official test cases from the Belastingdienst's own calculator, to the euro.
Privacy mode
Rather send nothing to a server? Turn on privacy mode and an AI model on your own computer reads your documents. No documents or figures then go to our server or to Google.
Advisor, employer or bank? Pensionplanner also runs in your own branding, with client reports and access control. Get in touch
Know what you can put in this year
All you need is your income statement or last year's income. Free, no account, and your calculation stays in your own browser.
The full planner is invitation-only: or request access.