Retiring earlier or later

Every pension insurance has a certain duration and ends on a pre-agreed date: the retirement date. This is the date when you will start receiving your pension income. If you are still working now, the retirement date is around the state pension age. Do you have multiple pension pots? Then they can have different retirement dates.
You can see this in the PensioenChecker.

In many cases, you can choose whether you want to receive your pension income from that set date. Or earlier or later. For example, you can choose to set all your pension pots to the same date.

The state pension age is the age at which you receive a government pension. This is therefore different from your pension date. The latter applies to the pension that you have built up through one or more employers. The amount of the state pension depends on whether you are single or have a partner, and whether you have worked abroad for a while. The moment you receive the state pension depends on your age. This age is gradually increasing. On the website of the Dutch Social Insurance Bank (SVB), you can calculate your state pension age and find more information about the accrual of the state pension.

Most people have worked for various employers. And thus, you may have built up multiple pension pots. All these different pension pots together make up your pension income. In the PensioenChecker, you can see exactly where you have a pension pot, how much pension you can expect from it, and what the retirement date is. This date may vary per pot. You are also allowed to combine all these pension pots. And with that total amount, you can then purchase a pension income from a pension provider of your choice. This is called the right to shop around.