The pension comparer

Moving abroad with AOW and a pension: put countries side by side

Still deciding between countries? Pick two or three and tick what your income will consist of. You then see per country who may tax it, how health cover works and which Dutch obligation travels with you. We don't calculate an amount, because that would give false certainty. You get the rules themselves, each with its source.

First country

Second country

Third country (optional)

What will your income consist of?

Several answers possible. The rules that apply to everyone are always shown.

AOW (Dutch state pension)You receive AOW, or will do.Occupational pensionPension built up with an employer outside government.Government service pensionPension from ABP (the Dutch government pension fund) for years as a civil servant, state-school teacher, police or defence.Annuity or substantial interestAn annuity policy, or 5% or more of the shares in a Dutch bv.

Choose at least two countries above to put them side by side.

Why there is no net amount here

A calculator that tells you what you keep in Portugal would need to know your pension, the treaty, next year's rate and your tax residence. No website knows that. Anyone who promises it anyway is guessing.

What is possible: showing per country who may tax and under what condition, how health cover works and what the Netherlands holds on to. Those are exactly the points where two countries differ. Every rule here has been checked against the source listed with it.

Chosen a country?

Then the real work starts: deregistering, health cover, tax and registering locally, in the right order. That is what the step-by-step plan is for.

See the destinations

Every step on one list, free

Not ready to start yet? Choose your destination and you get the departure checklist: 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 your country 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.

Which country?

When do you roughly want to leave? (optional)

Then we count back to when you need to start at the latest, and you get a nudge at that moment. And one more, a month before you leave.

Your email address

We use your address, and your departure date if you fill it in, only for the checklist, the guide and the mails after it. You can unsubscribe under every mail.

Ready to begin?

Fifty journeys are fully ready: your step-by-step plan, your documents and your costs in one place, and the plan keeps an eye on your deadlines. You pay once, and then it's yours.

Start your step-by-step plan Look inside a plan first