You can start taking your pension earlier or later, or choose to adjust the ratio between the old-age pension and partner's pension. The calculations for this are carried out using flexibility factors. These flexibility factors change on 1 March each year because that is when the interest rate (determined by De Nederlandsche Bank) and life expectancy are announced.
Preliminary calculation differs from actual pension amount
Before retiring, you can ask for a preliminary calculation to be carried out. This will give you an idea of how much your pension will be. However, please note that this amount may differ from the actual amount paid out. Carrying out the calculation this year and but retiring in 2024? Then we will use the flexibility factors of 2023 for the preliminary calculation. For your final pension, we use the flexibility factors of 2024. The results of these may differ.