Free calculator
Fill in what you spend, when you want to stop, and what you expect from AOW and pension. You get the amount, the date, and the split between the years you bridge yourself and the years after your state pension starts.
What you need
Fill in the fields above and your target appears here.
The method
Two sums, both standard present-value formulas. Nothing is simulated and nothing is random.
The bridge.
Between the age you stop and your AOW age you fund everything yourself. That is an ordinary annuity: the present value of your annual spending over that number of years, at your real return.
The supplement.
From your AOW date onward, AOW and pension cover part of your spending. Only the remainder has to be funded, and it has to last indefinitely, so it is a perpetuity: the annual gap divided by your return, discounted back to the day you stop.
Both use a real return, so every amount on this page is in today's money. There is no inflation figure to enter and no inflated number to interpret.
Empty on purpose
Your AOW build-up depends on where you lived. You build 2% per year over fifty years, and every year outside the Netherlands costs 2%, so someone who worked abroad for five years gets 90%. That is not a rare case among the people who look up a calculator like this. The amount also differs depending on whether you live alone or with a partner, and it is adjusted twice a year, which is why a figure ten or twenty years out is not something anyone can fill in for you.
The same goes for the return. Gylder does not suggest a rate, because a pre-filled number carries weight no matter what the caption next to it says. Enter your own, and run it more than once: the spread between 3% and 5% tells you more about your plan than any single answer does.
Scope
Stated plainly, because the articles that link here state it too.
The calculator is one part of it. The rest is knowing what you actually own and what you actually spend, which is what Gylder does the rest of the year.