What changes financially when you move to Morocco?

Tick where your income comes from. You then see which rules Morocco 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.

Where does your income come from?

Several answers possible. A mixed pension is the rule rather than the exception.

AOWJe ontvangt AOW, of gaat die binnen je traject ontvangen.BedrijfspensioenPensioen opgebouwd bij een werkgever buiten de overheid.Pensioen uit overheidsdienstABP-jaren als ambtenaar, leraar in het openbaar onderwijs, politie of defensie.Loon uit werk ter plaatseJe gaat in het land zelf in loondienst werken.Zelfstandig werk ter plaatseJe gaat er als zzp'er of ondernemer werken.Huur, dividend of renteInkomen uit vermogen dat buiten je nieuwe woonland zit.Lijfrente of aanmerkelijk belangEen lijfrentepolis, of 5% of meer van de aandelen in een bv.

This applies to everyone who moves. Tick above what applies to you, and the rest is added.

This is not tax advice

These are the rules that apply to your situation, not the outcome of them. With Morocco the difference lies in one missing article: the treaty of 1977 has no social security article, and so your AOW (the Dutch state pension) falls under the residual article instead of under a rule of its own. That pulls AOW and occupational pension to Morocco — but not your government pension. Which combination you have decides your net monthly income. Take this list to a tax adviser who knows both countries.

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.

Start your journey to Morocco See the destination

The departure guide

Five mails, and you see your whole journey

Not ready to start yet? Then we'll send you the departure guide for Morocco: 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 Morocco really changes — at most one a month, no newsletter, and you can switch it off at any time.