Buying an AOW gap in Utrecht: supplementing your pension
The **AOW gap** is the difference between your desired pension and the **AOW benefit**. In Utrecht, local authorities such as the District Court of Midden-Nederland (Vrouwe Justitiaplein 1) and the Juridisch Loket Utrecht (Catharijnesingel 55) assist you with questions about pension rights. This article discusses how residents of Utrecht can buy in their AOW gap.
What is an AOW gap?
The **AOW gap** arises when the AOW benefit from your AOW age (currently 67 years and 3 months) is not sufficient. In 2024, the gross AOW is approximately €1,626 per month for a single person with full entitlement. For residents of Utrecht with high housing costs, supplementation is essential to reach 70% of the last salary.
Legal basis in Utrecht
Buying in falls under the **Financial Supervision Act (Wft)**, **Pension Act** and **Income Tax Act 2001**. In case of disputes, you can go to the District Court of Midden-Nederland, Utrecht location (Vrouwe Justitiaplein 1). The Juridisch Loket Utrecht (Catharijnesingel 55, tel: 0900-8020) offers free first-line legal advice on pension buy-ins.
How do you buy an AOW gap in Utrecht?
Local options for residents of Utrecht:
- Employer: Through Utrecht employers such as universities or the municipality, pay extra premium into the pension scheme.
- Self-employed: IPP with Utrecht advisors from NN or Aegon; tax benefit via **30% ruling** for ZZP'ers.
- Savings products: Local banks such as Rabobank Utrecht offer AOW-specific life insurance policies.
- Converting assets: Buy-in into Utrecht pension funds for lifelong income.
For self-employed in Utrecht
ZZP'ers in Utrecht can obtain advice from the Juridisch Loket on **IPP**, **30% ruling** or savings life insurance policies. Schedule an appointment at Catharijnesingel 55.
Practical example Utrecht
Example: Jan from Utrecht
Jan (55, resident of Buitenwijk), earns €4,200 gross, builds up €1,300 employer pension. AOW: €1,626. Gap: €1,074. Via IPP with local advisor, he buys in €800 for €250/month premium (deductible). After pension: €3,726 total.
Example: Self-employed Marie
Marie (48, Utrecht city center) uses 30% ruling: saves €15,000/year tax-free for AOW gap. Advice via Juridisch Loket confirms fiscal feasibility.
Next steps in Utrecht
1. Calculate your gap via SVB tool.
2. Visit Juridisch Loket Utrecht (Catharijnesingel 55) for free check.
3. Consult advisor or District Court of Midden-Nederland (Vrouwe Justitiaplein 1) in case of complaints.
4. Conclude IPP or savings product.
Disclaimer: This is not legal advice. Contact professionals.