My pension

As soon as you start working, ABP starts building up your pension. Check your accrued pension or find out about early retirement options: the 'Pension' page has everything you need to know as an employee. ABP informs his beneficiairies in Dutch. For non-native speakers some documents are translated in English.

New pension scheme and compensation arrangement

From January 2027, ABP plans to move to new pension rules. Here you can read what the new rules mean for your pension. If you will be working fewer hours in 2026 or if your employment contract is terminated, this may affect any compensation you may be entitled to. Click here for more information.

Pension contribution

Each month, an amount of money will be deducted from your salary that will be used to pay your pension contribution. This contribution goes towards the following types of pension:

Old-age pension
Survivor’s pension
Incapacity for work pension

The university pays 70% of your pension contribution; you pay the remaining 30% yourself.

Here you will find information specific to your pension (in Dutch). You will need your DigiD for this.

You can calculate the amount of pension you have accrued with ABP via MijnABP. You apply for your pension yourself via MijnABP.

Pension request

Practical information

Here you will find practical information about compensation and pensions for non-native speakers.

Pension compensation

If the ABP annual salary exceeds the capping limit, it is not possible to accrue tax-free pension on the income above this amount. You can find the current amount of the capping limit on the salary scale overview (max. annual income OPNP). Annually, up to the capping limit, the employee pension premium is deducted from the salary and the university pays the employer's part of the pension premium.

On the income above the capping limit, the employee is compensated monthly for the employer's share of the pension contribution. No accrual of holiday allowance and end-of-year bonus applies over this compensation.

The name of the allowance on the salary slip is ''pension compensation''.

Pension for non-native speakers

Non-native Dutch speakers may find it difficult to translate Dutch pension information. ABP has created a special page with pension information in English. This page also contains information on what to do if your situation changes. On this page you will find a FAQ about pension for non native Dutch speakers, that can help you better understand what pension means for you.

My AOW age

From a certain age, you are entitled to a basic pension (AOW) from the government. The AOW age depends on life expectancy at the time. This age is known 5 years in advance. On the website of the Social Insurance Bank you can calculate your AOW age.

Calculate my AOW age

State pension (AOW)

The AOW (State Pension) is a basic state pension. Anyone who lives or has lived in the Netherlands and reaches the AOW pension age is entitled to AOW. How much AOW you will receive depends on how many years you have lived or worked in the Netherlands. You can find more informationon the Sociale Verzekeringsbank website.

Early retirement or reduce your working hours just before retirement

If you want to take early retirement or you want to reduce your working hours before you reach the state pension age (AOW), you can take advantage of the ABP Multi-option Pension and the Vitality Pact.

ABP Multi-Option Pension

The ABP Multi-option Pension allows you to decide when you should retire. You may also elect to receive part of your pension while you continue to work part-time. The Multi-option Pension offers the following options:

A higher pension now and a lower pension later on.
A lower pension now and a higher pension later on.
A consistent income both before and after you reach the state pension age.

You can also choose to increase your pension by using some or all of your survivor’s pension. Find out more about the ABP Multi-option Pension.

Vitality pact

If you are due to reach the state pension age within five years, there are some circumstances in which you will be able to take advantage of the Vitality Pact. The pact helps you to reduce your working hours in a more cost-effective manner. Check the Vitality Pact Scheme for more information.

Calculate your pension

Want to know how high your pension is or how to put together your pension? You can read more here (in Dutch).

Report a change to your pension fund

If your personal circumstances have changed, this could have implications for your pension. In such cases, you will need to notify ABP about these changes. Below is a list of reasons for why you may need to notify the pension fund about your change in circumstances:

You have gotten married
You have gotten divorced
You have moved house
You have moved in together with your partner
You have a new job
You have started to either work less hours or more hours
You are due to take a certain form of leave
Your partner has died

The ABP website will tell you exactly which changes you will need to report and what this will mean for your situation.

Report change

Help with pension question

Do you still have a question after reading the pension information?

First check www.mijnabp.nl (Dutch);
Did you not find your answer? Please contact ABP;
Do you have a complex question? Then send an e-mail to pensioenambassadeurs [at] ru.nl (pensioenambassadeurs[at]ru[dot]nl). In it, state that you have a complex pension question. One of the pension ambassadors will then contact you.

Prepare for the consultation

Think about what you want to discuss in advance. For example, check out your most recent pension overview and go to MijnABP. Check for yourself what your wishes are in regards to your retirement. It is useful if you have access to your website "MijnABP" when the consultation starts.