Mijnpensioenoverzicht.nl is the official Dutch website where you see your state pension (AOW) and every workplace pension you have built up with Dutch pension funds and insurers, after logging in with DigiD. In October 2026 it shows your expected pension as a net amount per month including AOW, next to how much pension you have built up so far.
Those two figures answer different questions, and mixing them up is an easy way to overestimate your pension when you plan to stop working early. This article explains what the overview includes and how to read its amounts and scenarios. It also covers the yearly statement from your pension fund, the move to the new pension system and how to use the figures in a FIRE calculation without overestimating your pension.
What mijnpensioenoverzicht.nl shows and leaves out
The site combines your AOW and all pensions you have built up through Dutch employers into one overview. It is run by Stichting Pensioenregister, and according to the Pensioenfederatie the pension sector is required by law to build it, while all pension funds and insurers must cooperate and supply data. The Pensioenregister says it retrieves the data from your pension providers and the Sociale Verzekeringsbank (SVB) at the moment you log in, so what you see is the data your providers hold at that moment.
What it leaves out matters just as much for your planning. The Dutch government's Nederland Wereldwijd states that you do not see pension you have built up yourself or pension built up outside the Netherlands. A lijfrente policy, a banksparen account and pension rights from a job in Belgium or Germany are therefore missing, and you add those from your own records or a statement from the foreign provider.
How to log in and read your overview
You log in with DigiD, and if you live abroad without DigiD you can use a European recognised login method instead, according to Nederland Wereldwijd. The headline figure is your expected pension, which the site itself describes as net per month and including AOW. The UPO explanation of Pensioenfonds PGB adds that these figures assume your workplace pension starts together with your AOW, which matters most if you plan to stop earlier.
Behind that headline sit two different amounts per pension. The first is what you have built up until now, and the second is what you can expect if you keep building up pension with the same employer until your AOW age. The Pensioenfederatie notes that the site shows both gross and net amounts. According to Pensioenfonds ING it also shows what happens to your pension if the economy does better or worse, and what your partner receives if you die. Exact labels differ slightly between providers, so read the small print under each amount before you copy it into a spreadsheet.
How the UPO differs from mijnpensioenoverzicht.nl
The uniform pension overview (UPO) is the statement each pension fund or insurer sends you once a year while you build up pension there, according to the Rijksoverheid. Once you have left, the AFM says you receive one at least every five years. It covers only that one provider and does not include your AOW. In the 2025 PGB example, amounts are gross per year. Its three scenarios show the expected outcome, a lower result if things go against you and a higher one if they go your way, all in today's purchasing power.
That difference in units explains why figures rarely match at first glance. A UPO showing €16,000 gross a year and the website showing a net monthly total including AOW describe the same pension, but after tax and combined with your state pension. For a calculation you should use one unit throughout, and the net monthly figure is usually the easier one to compare with your spending.
What changes when your fund moves to the new pension system
Under the Wet toekomst pensioenen, all pension schemes must have moved to the new system by 1 January 2028, according to the Rijksoverheid, and more than 9.5 million pensions switched on 1 January 2026. After the switch your entitlement becomes a personal pension capital. PFZW, which moved on 1 January 2026, has shown members that capital monthly in its own online portal since late July 2026, and in 2026 a one-off transition overview replaced its regular UPO.
ABP plans to move on 1 January 2027 and will send its final overview that year, as we explain in our article on ABP and the new pension system. Around a transition date the amounts on mijnpensioenoverzicht.nl may change, so compare them with the overview from your own fund rather than with last year's figure.
Using your pension overview in a FIRE calculation
The figure you need for early retirement is the one built up until now, because the expected amount assumes you keep working and accruing pension until your AOW age. The second thing your overview tells you is when the money starts, and that date defines the gap you have to bridge from your own savings. The AOW age is 67 in 2026 and 2027 and 67 years and three months from 2028 to 2031, according to the Rijksoverheid, and later ages have not been set yet.
Suppose you are 50, want to stop at 60 and spend €3,000 net a month. If you plan with an AOW age of at least 67 years and three months, you need to cover at least 7.25 years, which comes to €261,000 in today's money before investment returns and inflation. If your UPO shows €9,500 gross a year built up so far and €16,000 if you keep working, stopping early costs you part of that €6,500 for every year of retirement. Our article on calculating your FIRE number turns these two inputs into a full target, and our piece on how much state pension you will get explains the AOW part.
Should your pension count towards your net worth?
There is a good argument for keeping your workplace pension outside your net worth, because you cannot sell it, borrow against it or withdraw it before your retirement date. The new personal pension capital makes the amount more visible but no more accessible. That is why we treat the three pension pillars separately from the money that pays for the years before your AOW. Counting it in your net worth makes the number look bigger, while the amount you can actually use to stop early stays the same.
Tracking it next to your net worth still makes sense, because a growing pension capital lowers the amount you need to save yourself after your AOW age. Whether you add it is a personal choice, as long as you can always see the figure with and without pension.
How Gylder fits in
Gylder (gylder.nl) is a net worth tracker, not a budgeting app, and it does not retrieve data from mijnpensioenoverzicht.nl or from pension funds. Its features page shows that you can give items your own tags, such as "Pension", and save a view called "Everything excluding pension". That keeps the liquid part of your wealth visible as a separate figure.
What this doesn't tell you
The overview shows estimates that depend on returns, interest rates and your future employment, and its standard assumption that your pension starts at your AOW age rarely fits an early retirement plan. If you start your workplace pension earlier, the yearly amount is usually lower, and the tax you actually pay before and after your AOW age can differ from the estimated net figures on the site. This article is general information, not financial advice, and a pension adviser can calculate your own situation.
Frequently asked questions
Is mijnpensioenoverzicht.nl the official Dutch pension overview? Yes. It is run by Stichting Pensioenregister, and pension funds and insurers are required by law to supply their data to it.
Does mijnpensioenoverzicht.nl show my lijfrente or banksparen? No. Pension you have built up yourself is not shown, so a lijfrente policy or banksparen account has to be added from your own statements.
Is the amount on mijnpensioenoverzicht.nl gross or net? The headline figure is net per month including AOW. The underlying amounts are also shown gross, and the UPO from your pension fund shows gross amounts per year.
Can I see pension I built up abroad on mijnpensioenoverzicht.nl? No. Pension built up outside the Netherlands is not included, so you need to request an overview from the foreign pension provider.
Which amount should I use to calculate early retirement? Use the pension built up until now rather than the expected amount, because the expected figure assumes you keep working and building up pension until your AOW age.