Retire in Holland | Expatica

Find out how to retire to the Netherlands, including advice on visa and tax law, healthcare and the most popular areas for retirees.

Netherlands Not only is it a great place to spend your vacation, it’s also a great home for longer stays. Foreigners welcomeIt has consistently been voted one of happiest place in the world.No wonder so many people come from all over the world consider moving here to live, work and study. But what if you want to retire in the Netherlands?

if you are thinking emigrate to the Netherlands We have some advice on how to do this when you retire. Topics covered below include:

retired in the Netherlands

Of course, the Netherlands is not the most obvious choice for expats to retire in Europe.The difference belongs to Sunny Neighbors Spain, PortugalWhen FranceHowever, the Netherlands boasts a high standard of living and quality. medical systemThese factors alone are worth considering if you are thinking of settling abroad.

In fact, the Netherlands did very well in 2020. OECD Better Life IndexWhile achieving the highest scores on work-life balance, they also boast above-average ratings for housing, well-being and health.

The country also scored high in 2021 Natixis Global Retirement IndexIt moved up from 10th place in 2019 to 5th place for the second year in a row. finance.

Who can retire in the Netherlands?

if you are a citizen of european union (EU), or the European Free Trade Association (EFTA) in member states no provisional residence permit is required (machtiging tot voorlopig verblijf – MVV) or a visa to enter the Netherlands. However, registration with the municipality where you live is required.your details are Municipal Individual Record Database (BRP).

To live in the Netherlands you need:

  • valid passport
  • Health insurance card
  • enough money

These funds can come from any source, including annuities, inheritances, and assets. Overall, your income should be equal to or higher than the Dutch. minimum wageAs of January 2022, the Dutch minimum wage is €1,725 ​​per month. However, if your income is below this level, you will need to prove that you have enough cash to live on. You will also need to sign a declaration confirming that you are “financially inactive” because you will not be doing paid work in the Netherlands.

Bicycles on a bridge over a canal in Amsterdam, Netherlands at sunrise

Citizens of some countries do not require an MVV to travel to the Netherlands, but do require an MVV. residence permit If you want to stay longer than 90 days. Andorra, Australia, Canada, Japan, New Zealand, San Marino, South Korea, United Kingdom, United States and Vatican City.

If you are from another country, you may need both an MVV and a residence permit.

No fast track visa for retirement in the Netherlands

The Dutch Immigration Service requires you to give a reason To wish to emigrate to the Netherlands as part of an application. However, retirement is not one of the options given.This means you may need to seek advice from the Dutch Consulate in your home country to find out any specific rules before you move. , general visa rules may apply. This means that you must apply for visa and residence permit before going to Holland.

You must have lived and worked in the Netherlands 5 years before getting Permanent residencyThis applies to both EU/EFTA and third country citizens. There are exceptions to this. EU/EFTA citizens can apply Permanent residency Retired after living in Japan for 3 years. Permanent residency gives you almost the same rights as a Dutch citizen. You cannot vote in national elections, but you can access state benefits and live in the country indefinitely. So if you plan to retire in the Netherlands, it is worth getting permanent residency.

Dutch retirement age

By 2022, statutory retirement age 66 years and 7 months in the Netherlands. In 2023, he will be 66 years and 10 months old. In 2024, he will be 67 years old. After this, the legal retirement age will only be extended if life expectancy continues to increase.

Dutch pension

Dutch pension system Ranked 2nd in the world for Mercer’s 2021 Global Pension IndexThe system has three pillars: public pensions, corporate pensions and private pensions.

The National Pension is commonly called AOW (Algemene Ouderdomswet). Dutch workers contribute to public pensions throughout their career. Each year of service he is worth 2%, so to receive the pension in full (100%), he will have to pay 50 years of premiums. If you do not qualify for the full annuity, the amount will be calculated based on the number of years paid.

Occupational pensions are very common in the Netherlands, with around 90% of employers offering a pension scheme. External pension providers typically operate these plans. Some professions, such as civil servants and teachers, have to pay mandatory schemes.

Of course, you can also accumulate an annuity. private pension fundBanks and insurance companies usually offer these products. This is useful for the self-employed and those working in sectors that do not offer employment schemes.

Remittance of pension to the Netherlands

If you plan to retire in the Netherlands, you may be able to take your overseas pension with you. This depends on whether your home country has bilateral agreements with the Netherlands.Bilateral agreements allow pension funds to be transferred without double taxation

Block-wide agreements are available for EU/EEA and Swiss citizens, while various other countries, including the United States, South Africa, Australia and New Zealand, have agreements with the Netherlands. British expats are A qualified and approved overseas pension plan Consolidate Retirement Benefits (QROPS).

Dutch retirement tax

If you live in the Netherlands, you are considered tax resident.this means you pay Dutch tax For the income you earn worldwide.

First, note that pension income is taxed together with income from employment (located in the “Box 1” category of the income tax form). This means that you pay a tax rate of 37.07% on income up to €69,938 per year. Income above this is then subject to a tax rate of 49.5%.

Finally, income from savings and investments is tax-free up to €50,000. Any income above this from savings and investments will be taxed at a flat rate of 31%.

The best places for expats to retire in Holland

The best place to retire in Holland depends on what kind of lifestyle you are looking for. Of course, affordability is also important. The good news is that there are a range of options available. selected Utrecht, Amsterdam, The Hague, Eindhoven and Rotterdam as the top five cities to call home when retiring in the Netherlands. at The top five features are Nijmegen, Zwolle, Utrecht, Haarlem and Eindhoven.


Our comprehensive guide on where to live in Holland will help you find out more about the different towns and cities.

Soaring housing prices

if you plan to Buy a house Take care in Holland. house prices rose A record 21.1% increase in the year to January 2022. COVID-19 (new coronavirus infectious disease) The pandemic has sparked demand in a country already facing a shortage of affordable housing. As a result, house prices are higher than ever.

Dutch bank ABN Amro says the housing shortage in the Netherlands is 280,000 units However, the country plans to build 100,000 new homes per year. this is, a million We will need new housing in the next 10 years. Still, the number of property transfers recorded in January 2022 was 43% lower than the previous year.In short, the Dutch real estate market is Short supply and high prices.

Services, organizations and clubs for retired expats in the Netherlands

Joining local clubs and expat groups is a great way to adjust to life in Holland. The good news is that there are many options available for English speaking expats.

Check out our directory as a starting point. Foreigner groups and clubs in Holland. You can also explore local groups on Facebook or Facebook. meet.

Dutch Wills and Inheritance

It’s important to understand how tax law In Holland it is different than in your home country.

If you die in the Netherlands without leaving a will, your estate will be divided according to Dutch law. Under Dutch law, the estate is divided equally between the spouse/partner and children.

You can change this result in the following ways: write a willThe EU Agreement means that citizens of most countries can choose to have their home country’s laws or the laws of their country of residence apply at the time of death. Ultimately, this means that if you want your property to be distributed according to the rules of your country, you need to state your will in writing.

inheritance tax

inheritance tax In the Netherlands, it is paid on the net value of real estate. There are also tax exemption thresholds for different categories of heirs. for example:

  • A spouse, registered or cohabiting partner, Tax-exempt criteria Up to €680,645.
  • The threshold for children, including foster parents and stepchildren, is EUR 21,559.

For amounts above these thresholds, spouses and children pay a tax rate of 10% to 20% depending on the amount involved. Grandchildren she pays higher tax rates of 18% and 36% while other heirs pay between 30% and 40% of hers.

Thankfully, there are many foreigner-friendly tax accountants in the Netherlands. They provide advice and information on inheritance tax issues in English and other languages. Dutch foreign-friendly tax accountants are:

Health care for pensioners in the Netherlands

ordinary people in the Netherlands medical system One of the best in Europe. By law, all Dutch residents must have basic health insurance (zorgverzekeringswet – ZVW), foreigners retiring to the Netherlands are no exception.

Some medical care is provided free of charge (e.g. GP appointments), but the public health system costs around €100 per month. Then there is the annual overage that must be paid when claiming on the policy. Law (Wet Langdurige Zorg) offers Dutch residents automatic insurance for long-term care and long-term care.

can be freely selected. Health insurance Your preferred provider. Basic public health insurance does not cover dental or other professional care. As a result, many expats choose comprehensive services. private health insuranceComparison sites like . Independent consumer groups United Consumers Helps you find offers. It may also be easier to choose a company that provides information in English. Notable foreign-friendly health insurance companies include:

If you are an EU or UK pensioner, you may be eligible for your home country’s health system if you have an S1 form. Please check with the consulate of your home country. If a non-EU retiree to the Netherlands wants to stay in the Netherlands for more than 90 days, she must enroll in a health care plan.

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