How do you accrue pension?

Accrual percentage

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Each year, you accrue pension rights over part of the gross salary that you earn in that year. The portion of your salary on which you do not accrue any pension is called the deductible. Subject to financing, you accrue 1.875% retirement pension on your gross salary every year minus the deductible. You will build up 1.47% retirement pension in 2021.

Example: you earn €25,000 a year. The deductible is €15,000. In that year you accrue 2% retirement pension on the pension base of €10,000. That is €200 in that year. The retirement pension you receive when you retire is the sum of all the years plus any annual indexation of your pension.

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More information

The regulations set out precisely what you will receive in our pension scheme. The regulations can be downloaded here (in Dutch).