Expat Retirement Netherlands

Female professional enjoy working at a sunny beach Complete guide to expat pension Holland 2025: AOW calculations, employer pensions,...

Early retirement in Netherlands typically requires: - Savings needed: 33-50x annual expenses (higher than other countries due to taxes) - Minimum timeline: 15-20 years of aggressive saving - Savings rate: 50-70% of income (higher due to Box 3 tax impact) - Bridge funding: Until AOW kicks in at age 67 - Box 3 tax impact: Lower withdrawal rate from 4% (common elsewhere) to ~2%