AOW pension
AOW pension rates
As from January 2012
There are separate AOW pension rates for single people, for married people or people who live together, and for single parents. The rates are usually adjusted by the Ministry every six months. The amounts shown apply as from 1 January 2012.
You live on your own (you are single)
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 1,079.93 | € 1,079.93 |
| Tax and national insurance contributions | € 0.00 | € 163.41 |
| Zvw contribution | € 76.67 | € 76.67 |
| Net | € 1,003.26 | € 839.85 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 60.87 gross per month and is paid in May of each year.
You are married or living with a partner
You and your partner are both over 65
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 752.12 | € 752.12 |
| Tax and national insurance contributions | € 0.00 | € 114.16 |
| Zvw contribution | € 53.40 | € 53.40 |
| Net | € 698.72 | € 584.56 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 43.47 gross per month and is paid in May of each year.
Your partner is under 65; you do not receive supplementary allowance
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 752.12 | € 752.12 |
| Tax and national insurance contributions | € 0.00 | € 114.16 |
| Zvw contribution | € 53.40 | € 53.40 |
| Net | € 698.72 | € 584.56 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 43.47 gross per month and is paid in May of each year.
Your partner is under 65; you get the full supplementary allowance
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 1,470.59 | € 1,470.59 |
| Tax and national insurance contributions | € 81.58 | € 222.91 |
| Zvw contribution | € 104.41 | € 104.41 |
| Net | € 1,284.60 | € 1,143.27 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 86.94 gross per month and is paid in May of each year.
Your partner is under 65, your supplementary allowance has been reduced by 10%**
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 1,398.74 | € 1,398.74 |
| Tax and national insurance contributions | € 70.66 | € 212.00 |
| Zvw contribution | € 99.31 | € 99.31 |
| Net | € 1,228.77 | € 1,087.43 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 82.59 gross per month and is paid in May of each year.
** With effect from 1 August 2011, the supplementary allowance will be reduced by a maximum of 10%. This reduction only applies to households with a joint income of € 2,530.98 or more per month.
You live with your child/children under 18 (you are a single parent)
| with tax credit | without tax credit | |
|---|---|---|
| Gross * | € 1,360.65 | € 1,360.65 |
| Tax and national insurance contributions | € 29.41 | € 206.50 |
| Zvw contribution | € 96.60 | € 96.60 |
| Net | € 1,234.64 | € 1,057.55 |
* The gross amount includes the KOB top-up for senior taxpayers of € 33.65. If you live outside the Netherlands, you will only get a KOB top-up if at least 90% of your worldwide income is taxable in the Netherlands. The holiday allowance is € 78.25 gross per month and is paid in May of each year.
How the amounts are made up
- Gross: this includes the KOB top-up of € 33.65, but not the holiday allowance. The holiday allowance is paid in May.
- Tax and national insurance contributions: the amounts are shown after deduction of tax credit as well as without deduction of tax credit. The amounts without deduction of tax credit apply if tax credit is deducted from other income.
- Zvw contribution: this amount consists of 7.1% of the gross AOW pension.
- Net: this is the amount that we pay you each month.