What changes financially when you move to Chile?

Tick where your income comes from. You then see which rules Chile and the Netherlands apply to your situation: which country may tax you, which schemes exist and how you get insured. With the source, so you can check it yourself.

Everything about AOW, pension and tax in Chile →

Where does your income come from?

You can tick more than one. A pension from several sources is the rule rather than the exception.

AOW (Dutch state pension)You receive AOW, or will start receiving it during your move.Occupational pensionPension built up with an employer outside government.Government service pensionABP years as a civil servant, state-school teacher, police or defence.Salary from work thereYou will be employed in the country itself.Self-employed work thereYou will work there as a freelancer or business owner.Rent, dividend or interestIncome from assets held outside your new country of residence.Annuity or substantial interestAn annuity policy, or 5% or more of the shares in a Dutch bv.

This applies to everyone who moves. Tick above what applies to you, and the rest will appear.

Which country may tax

Which part of your income may your new country of residence tax?

After more than 183 days in twelve months you're a resident of Chile

If in a period of twelve months you're in Chile for more than 183 days, continuous or not, you're a tax resident there.

A resident of Chile is taxed on their income from everywhere, with for a foreigner the exception of the first three years. If you're a resident according to both countries, the treaty decides: first where you have a permanent home, then where your ties are strongest.

tax resident: after more than 183 days in 12 months

Source: Código Tributario, artículo 8, número 8 — residente: toda persona que permanezca en Chile, en forma ininterrumpida o no, por un período o períodos que en total excedan de 183 días, dentro de un lapso cualquiera de doce meses — checked on 2026-10-15

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Special regimes

Is there a favourable regime, and do you qualify?

Chile credits the tax you paid in the Netherlands

A resident of Chile who paid tax on income in the Netherlands may credit it against the Chilean tax on the same income.

That's in article 23, paragraph 1, of the treaty, and in article 41 A of the Chilean income tax law. It mainly matters from your fourth year, when Chile also taxes your Dutch income. So keep the annual statements with the Dutch tax withheld every year.

treaty article: 23, paragraph 1

Source: Treaty of 25 January 2021, article 23, paragraph 1, point a — residents of Chile may credit the tax paid in the Netherlands against any Chilean tax due in respect of the same income — checked on 2026-10-15

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Health insurance

How do you get insured, and what do you pay for it?

Note

Your Dutch basic insurance ends when you deregister

Your basic insurance stops on the day you deregister. Joining in Chile only starts once you're there and have your papers.

Without the CAK there's no safety net in those weeks. If you put off the insurance question until after the move, an insurer can refuse you or exclude things. So arrange your cover first, and only then take steps you can't undo.

Where this comes from: The list of treaty countries for healthcare (no CAK route), the fixed emigration rule that the Zvw ends on deregistration, and joining FONASA, which asks for a cédula or passport and the form from the Superintendencia de Pensiones.

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What the Netherlands doesn't let go of

Which Dutch obligation travels with you?

Your AOW build-up stops when you leave, repair is possible within one year

Whoever goes to live outside the Netherlands is usually no longer insured for the AOW and the Anw. Each year you're not insured, you later get 2 percent less AOW.

This is about the build-up, not the payment. What you built up until you left stays. If you leave before your AOW age, each year until that age costs 2 percent. With voluntary insurance at the SVB you close the gap. For that you have one year from the moment you're no longer insured. That applies to each member of a couple separately.

reduction per uninsured year: 2% of your AOW
applying for voluntary insurance: within 1 year

Source: SVB — you're going to live or work outside the Netherlands: usually no longer insured; 2% less AOW per uninsured year; 1 year to apply for voluntary insurance — checked on 2026-10-15

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This is not tax advice

These are the rules that apply to your situation. What they add up to is not shown here. With Chile it comes down to two treaties that do apply. The tax treaty lets the Netherlands tax your AOW, your pension and your annuity, at a Dutch rate that may not be higher than for a resident, and without a tax credit. For the first three years Chile only taxes a foreigner on income from Chile, and after that on everything, with a credit for the Dutch tax. The social security treaty keeps your AOW in full, also if you go alone, and with a Dutch pension gives you access to the Chilean healthcare system. Which combination you have decides your net monthly income, and that shifts in year four. 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

Then actually doing it

Knowing which rules apply is the first half. The second is applying them in time: in the right order, without missing a deadline, and with your documents at hand.

Start your step-by-step plan for Chile See the destination

Every step on one list, free

Not ready to start yet? Then you get the departure checklist for Chile: every step in order, to print and tick off. With it, five mails in a week and a half about the pitfalls and the real costs. If the rules for Chile change, you'll hear about it. After that we ask once where your plans stand, and now and then we send one thing that fits your moment. No newsletter, and you can switch it off at any time.