Which pensions do you have to declare?
In the Netherlands, most pension payments are taxed. You declare the following income in box 1:
| Type of pension | Taxed? | Where to find |
|---|---|---|
| AOW payment (SVB) | Yes | SVB annual statement |
| Supplementary employee pension | Yes | Pension fund annual statement |
| Annuity payment | Yes (if premium was deductible) | Insurer annual statement |
| Survivor's pension (ANW) | Yes | SVB annual statement |
| Annuity from own contribution (not deductible) | No (already taxed) | Don't declare |
The annual statement from your pension fund
Every pension fund sends you an annual statement each year. It shows:
- Wages — your gross pension payment over the year
- Withheld payroll tax — the tax already withheld
- Tax credit applied? — yes or no (important for tax return)
- Payroll tax number — unique number of the pension fund
Note: If both the SVB and your pension fund apply the tax credit, too little tax has been withheld. You may then have to pay extra. Ask your pension fund to stop applying it.
Multiple pension funds
Have you worked for multiple employers and therefore have multiple pension funds? Then you receive multiple annual statements. You have to combine all this income in your tax return. The Belastingdienst then calculates the total amount owed and settles what has already been withheld.
The more income sources, the bigger the chance of a back-payment or refund. We help you make this clear.
Deductions for retirees
Despite having a pension income, there are various deductions that reduce your tax:
- Healthcare costs deduction — personal contributions WLZ/WMO, dentist, aids, diet on doctor's advice
- Donations deduction — periodic donations to charities (ANBI) are fully deductible
- Remaining mortgage interest — if you still have a (small) mortgage
- Partner alimony — if you pay alimony
Tax credits with pension
As a retiree you are entitled to several tax credits:
| Credit | Amount 2026 |
|---|---|
| General tax credit | Max. €3,362 |
| Elderly tax credit (AOW age reached) | Max. €2,035 |
| Single person elderly tax credit | €478 |
* Indicative amounts 2026.
We arrange your pension tax return
Multiple annual statements, tax credits applied twice, healthcare costs you haven't declared yet — we set everything out correctly. Fixed price €59, we come to your home.
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