Voluntary insurance
What does it cost to buy AOW pension rights retroactively?
The amount of the contributions you have to pay depends on your income over the period in question.
The contribution is a percentage of your income.
You can build up AOW pension rights for a maximum of 50 years. You can therefore start building up pension rights 50 years before you reach the AOW pension age. We refer to this period as the 50-year insurance period.
We will assess your income for each year between the start of the 50-year period and the date on which you came to live or work in the Netherlands. The contribution payable for a given year will be a percentage of your income in that year.
The sum total of the contributions payable for each year will be the amount that you will have to pay to buy AOW pension rights retroactively.
There is a minimum and a maximum contribution. Every year, the contribution percentage and the minimum and maximum contributions are adjusted by the government. For 2013 the contribution is 17.9% of your income. The amount may differ each year.