What is jaarruimte?
Jaarruimte is the amount you can contribute to your pension each year in a tax-efficient way. It is extra pension space on top of your standard pension accrual through your employer or mandatory pension.
What are the tax benefits?
Contributions to your pension via jaarruimte are deductible from your taxable income. This means you pay less income tax in the year of the contribution. The fiscal jaarruimte for deductible annuity premiums has increased to 30% of the income you use to save for your pension, retroactively from January 1, 2023, if you have a pension shortfall. Additionally, the money grows tax-free until you retire.
How can you calculate your jaarruimte yourself?
Entrepreneurs can easily calculate this themselves using the jaarruimtetool from Bright Pensioen:
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Go to the tool on the Bright Pensioen website.
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Enter your annual income and pension accrual.
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The tool automatically calculates your available jaarruimte.
Expanded opportunities to save more with tax advantages
You can use jaarruimte for up to 10 years retroactively for deductible annuity premiums (previously 7 years).
You may contribute up to 5 years after reaching the AOW pension age for additional annuity savings (previously only until the AOW age).
How does it work if we do it for you?
If we calculate your jaarruimte and handle everything for you, you don’t have to figure anything out yourself. We calculate your maximum jaarruimte, ensure everything is processed correctly, and advise you on your contribution. These services are not included in the standard subscription.
> Costs outside the subscription