You choose when you want to retire. 

If you want to retire more than five years before your state pension age, early retirement is possible only if you are no longer working. The earliest you can retire is at age 55.

If you retire earlier, you will receive a somewhat lower pension. This is logical: the pension has to be paid out for longer. You can also continue working after you reach your AOW pension age. In this case, you will retire later and receive a slightly higher pension.

Do you want to retire earlier than the standard retirement age? If so, agree this with your employer first. Then contact us to communicate the adjusted retirement date.

Determine when you can retire

To determine when you can retire, it is good to know how much income you will need later. You can calculate this with the Nibud's Pension Five. Do you just want to know what you will get when? Then go to www.mijnpensioenoverzicht.nl for an overview of your pension. If you have general questions about your pension, or if you want to know, for example, how you can supplement your pension, you can visit the website of Money Wise.