What changes financially when you move to Brazil?
Tick where your income comes from. You then see which rules Brazil and the Netherlands apply to your situation — which country may tax, which schemes exist and how you become insured. With the source, so you can check it.
This applies to everyone who moves. Tick above what applies to you, and the rest is added.
What the Netherlands doesn't let go of
Which Dutch obligation travels with you?
Your AOW accrual stops on departure — it can be repaired, within one year
This is about the accrual, not the payment. What you've built up until you leave stays yours, but as soon as you're no longer insured in the Netherlands you build up nothing more, and every year until your AOW age costs 2% of your later AOW. If you already receive AOW, this no longer applies.
For most emigrants the insurance ends at the moment of departure. Voluntary continued insurance with the SVB closes the gap, for ten years at most, but only if the application is in within one year of your compulsory insurance ending — and you were insured for at least a year directly before that. The premium depends on your income and is revised annually, so no amount is given here. Put that date in your diary before you go.
- reduction per uninsured year
- 2% of your AOW
- application for voluntary insurance
- no later than 1 year after your insurance ends
- duration of voluntary insurance
- 10 years at most
Source: Algemene Ouderdomswet (General Old Age Pensions Act) — article 13(1) (2% reduction per uninsured calendar year), article 35(1) (voluntary insurance, ten years at most) and article 36(1) (application no later than one year after the compulsory insurance ends) — checked on 2026-10-05
Read the whole storyYour Dutch basic insurance ends on deregistration
The basic insurance stops on the day you deregister — and your plano de saúde only starts once the acceptance is settled, with the limited cover for what you already had.
The SUS catches you from the first day, but not at the pace and in the clinic you're used to. Whoever postpones the insurance question until after the move can have become too old for the policy that was meant to carry the plan, or starts the two years of limited cover later than necessary. First cover, only then irreversible steps.
Where this comes from: The order from the healthcare article — international policy before departure, plano on acceptance, SUS as safety net — and the fixed emigration rule that the Zvw ends on deregistration.
Read the whole storyThis is not tax advice
These are the rules that apply to your situation, not the outcome of them. With Brazil the treaty of 1990 is half the story: it leaves your AOW (the Dutch state pension) and a government pension with the Netherlands, sends your annuity to Brazil and divides your occupational pension above 5,000 dollars a year between both countries, with a credit — and because you live outside the EU, without tax credits. The other half has nothing to do with tax and still decides your monthly income: the social security treaty never entered into force, so the single AOW falls back to the married rate, and there is no CAK — but the free SUS, and a plano de saúde you pay for yourself. Take this list to a tax adviser who knows both countries.
Still deciding between countries? Put the rules of two or three countries side by side
And then the journey itself
Knowing which rules apply is the first half. The second is applying them in time: in the right order, with the deadlines watched and the documents at hand.
Five mails, and you see your whole journey
Not ready to start yet? Then we'll send you the departure guide for Brazil: five mails in a week and a half, with the order, the pitfalls and the real costs. After that one question about where your plans stand, and beyond that only a short update when something in Brazil really changes — at most one a month, no newsletter, and you can switch it off at any time.