How much does voluntary insurance cost if you live or work in the Netherlands?

If you start living or working in the Netherlands, you will automatically be insured under the AOW old age pension scheme. You can take out voluntary insurance for the years before your arrival in the Netherlands. In other words: you can buy back insurance for the years in which you were not covered under the AOW scheme. You will be asked to pay a contribution for each of these years.

The contribution is a percentage of your total income for each year, both from the Netherlands and abroad. Every year, the Dutch government determines the contribution rates for that year. There is a minimum and a maximum contribution.