How much state pension you receive depends on two things: your living situation and your accrual.
Live alone and the payment is 70% of the net minimum wage. Live with a partner and you each receive 50%. And for every year you were insured in the Netherlands during the fifty years before your state pension age, you accrue 2%.
Someone who lived here their whole life and lives alone receives €1,662.16 gross a month from 1 July 2026. Someone living with a partner receives €1,139.39 each.
Two things determine your amount
Your living situation
A single person receives more because they can't share a household's fixed costs.
| Situation | Percentage of net minimum wage |
|---|---|
| Living alone | 70% |
| Married or cohabiting | 50% each |
Two pensioners living together therefore reach 100% combined, against 70% for a single person. That's deliberate: living together costs less per person.
The SVB looks at your actual situation rather than your marital status. Live together without being married and the lower amount applies.
Your accrual
You accrue state pension during the fifty years before your personal state pension age. Every year you live or work in the Netherlands counts for 2%.
Fifty insured years produces 100%. Every year during that period spent outside the Netherlands without voluntary insurance costs 2%.
Five years abroad therefore means 90% of the full amount. Ten years means 80%.
This is why your figure can't be read from a table. It's your personal accrual multiplied by the national amount, and only the SVB knows your accrual.
The amounts as of 1 July 2026
At full accrual, per month:
| Gross | Net with tax credit applied | |
|---|---|---|
| Living alone | €1,662.16 | approximately €1,581.55 |
| Married or cohabiting, each | €1,139.39 | approximately €1,084.13 |
Without the tax credit applied, the net amount is considerably lower. Apply the credit to one income only, or you'll owe money later.
On top of that you accrue holiday pay monthly, which the SVB pays out in one instalment in May. For single people that's roughly €104.78 gross a month from July 2026, and €74.85 each for cohabitants.
The amounts are adjusted twice a year, on 1 January and 1 July, because they're linked to the statutory minimum wage.
What missing accrual years cost
For a single person with full accrual, the net state pension including holiday pay comes to roughly €20,000 a year. Each missed accrual year removes 2%.
| Years outside the Netherlands | Accrual | Net state pension per year |
|---|---|---|
| 0 | 100% | approximately €20,000 |
| 2 | 96% | approximately €19,250 |
| 5 | 90% | approximately €18,050 |
| 10 | 80% | approximately €16,050 |
| 15 | 70% | approximately €14,050 |
| 20 | 60% | approximately €12,050 |
Amounts rounded, as they depend on your precise situation and on when you reach state pension age.
What a gap in your accrual does to your stop date
Here it becomes concrete for anyone wanting to retire early, and almost nobody calculates this.
Your state pension lowers the amount you must draw from your own wealth after that date. If your state pension is lower, that gap widens, and you need more wealth.
For someone wanting to stop at fifty with €40,000 of annual spending:
| Years outside the Netherlands | Extra wealth required |
|---|---|
| 2 | €10,292 |
| 5 | €25,729 |
| 10 | €51,459 |
| 15 | €77,188 |
| 20 | €102,918 |
Each missed accrual year costs roughly €5,146 of extra wealth when stopping at fifty.
And that figure rises the later you stop, because there's less time to bridge the difference through returns:
| Stopping age | Cost per missed accrual year |
|---|---|
| 45 | €4,230 |
| 50 | €5,146 |
| 55 | €6,261 |
| 60 | €7,617 |
Someone who worked five years in London or Berlin and wants to stop at sixty therefore needs nearly €38,000 more than the standard calculation suggests. That isn't an edge case, and it appears in no calculator.
Can you make up missed years?
Sometimes. Anyone leaving the Netherlands can, under conditions, continue voluntary state pension insurance so accrual continues.
There are hard deadlines. You must apply within a set period after your compulsory insurance ends, and that period is short. Anyone finding out too late can't close the gap.
If you're moving abroad soon, or left recently, check with the SVB before the deadline passes. For anyone who returned years ago, this usually isn't an option any more.
Living situations that work out differently
Whether you count as single or cohabiting is less clear-cut than it looks.
You live with your own child, stepchild or foster child. The single person's amount applies.
You live with more than one adult and share costs. The lower amount generally applies.
You're married but living at separate addresses because the relationship ended. You fall under the single person's arrangement, even if the divorce isn't final.
You rent a room to someone or are a lodger. With a commercial relationship you keep the single person's amount.
Your partner hasn't reached state pension age. You receive the cohabiting amount. The partner supplement that once covered this closed to new cases in 2015.
When in doubt the SVB decides, and it pays to report your situation promptly. A correction afterwards means paying money back.
Where to find your own figure
Every table on this page assumes full accrual. Your amount depends on your personal accrual years, and only the SVB knows those.
Log in to Mijn SVB with your DigiD. Your personal state pension date and accrued percentage are there. That's the figure to calculate with.
For your occupational pension, go to mijnpensioenoverzicht.nl, where all schemes sit together, including from jobs you've forgotten.
What this means for your calculation
Your state pension isn't wealth. It's an income stream beginning at your state pension date, lowering what you must draw from your own means afterwards.
For the years before that date it does nothing. Those years you bridge entirely yourself, and that's by far the most expensive part of retiring early. How the two phases work is set out in the article on your FIRE number.
Practically: enter your state pension as an annual net figure including holiday pay. And use your own accrual percentage rather than the full amount, unless you're certain you're at a hundred percent.
How Gylder fits in
Your state pension amount is one of the four inputs to the bridge calculator, alongside your spending, your stopping age and your accrued occupational pension.
That calculator works out how much wealth you need at your intended stop date and saves the result as a wealth target with that date attached. Your total wealth, spread across bank, broker, crypto, precious metals and your property with the mortgage underneath, updates daily and is measured against it.
What the calculator deliberately doesn't do is fill in your state pension for you. It couldn't be right. Your accrual depends on your residence history, the amount is adjusted twice a year, and living alone or with a partner makes a considerable difference. Next to the field sits a link to the SVB, because that's where your own figure comes from.
What this doesn't tell you
The amounts change twice a year. What's here applies from 1 July 2026. Check current figures with the SVB before calculating.
State pension age moves with life expectancy. In 2026 and 2027 it's 67. After that it may rise further, and each shift backwards lengthens the period you must bridge yourself.
Net is personal. The net figures here assume the tax credit is applied and no other income. With an occupational pension alongside, the picture changes.
Unusual situations need the SVB. Living permanently apart, a partner in care, a shared home. Those are assessments, not tables.
This isn't advice. For your personal amount and date, Mijn SVB is what counts.
Frequently asked questions
How much state pension will I get net per month? At full accrual with the tax credit applied, roughly €1,581.55 for a single person and €1,084.13 each for cohabitants, as of 1 July 2026. Considerably less without the tax credit.
How does accrual work? You accrue 2% a year during the fifty years before your state pension age. Fifty insured years produces a full state pension.
I lived abroad. How much does that cost? Each year without accrual costs 2%. Five years outside the Netherlands means 90% of the full amount, roughly €2,000 net a year less.
Do I get more if I live alone? Yes. Single people receive 70% of the net minimum wage, cohabitants 50% each.
Does my state pension count as wealth? No. It's an income stream beginning at your state pension date. It lowers what you need from your own wealth afterwards, but you can't access it sooner.