Lab
Pension Calculator
Derde Pijler (Third Pillar) pension projections and calculations
Quick projections • 4% rule
Simple Mode: Quick Pension Projections
Enter your age, contribution amount, and expected returns. Perfect for quick "what-if" scenarios and comparing different contribution strategies.
Scenarios (1 scenario)
Compare different pension strategies side-by-side
Click to select and edit
Double-click name to rename
Click eye to show/hide in chart
Lifecycle Projection
Lifecycle Projection
Summary of your complete pension journey from now until end age.
Values shown are for the active scenario
Projected Balance
Balance Information
Total pension pot at retirement
At age 67
€ 1.522.077
Total Contributions
Contributions
Total amount you'll contribute over 40 years
Includes employer matching if applicable
€ 480.000
Investment Growth
Investment Growth
Total returns from market growth
217% return on contributions
€ 1.042.077
Monthly Income
Monthly Income
Estimated monthly income using 4% withdrawal rule
€ 5.074
Your Details
Scenario: Simple Scenario
Current Age
Your age today. Used to calculate years until retirement.
Retirement Age
Age when you plan to stop working and start withdrawing from your pension.
Dutch AOW age: 67
Current Balance
Current amount saved in your pension account (in euros).
Enter 0 if starting from scratch
Monthly Contribution
Amount you contribute each month (in euros).
Does not include employer match
Annual Return Rate
Expected yearly investment growth percentage.
Historical averages: S&P 500 ~10%, Conservative ~5%
Employer Match
Percentage your employer adds to your contribution.
Example: 100% match means employer contributes same amount as you
Lifecycle Projection 1 visible
Full Lifecycle Chart
Visual projection of pension balance over time.
Shows build-up phase (contributions) and payout phase (withdrawals)
Toggle visibility with the eye icon in scenario tabs above
Scenarios:
Simple Scenario
Comparison Table 1 scenario
Scenario Comparison
Compare different pension scenarios side-by-side.
Click a row to select that scenario for editing
Toggle chart visibility with the eye icon
Side-by-side comparison of all scenarios • Click a row to edit • Use eye icon to show/hide in chart
Scroll sideways to see all columns
| Scenario | Monthly Contrib | Final Balance | Total Contributions | Investment Growth | Capped Monthly | Uncapped Monthly | Total Monthly | Visible |
|---|---|---|---|---|---|---|---|---|
Simple Scenario Active | €1000/mo | €1.52M | €480.0K | +€1.04M | — | €5.1K/mo | €5.1K/mo |
How to use this table
• Click a row to select and edit that scenario
• Active scenario is highlighted and has an "Active" badge
• Eye icon toggles visibility in the chart above
• Hidden scenarios appear dimmed (40% opacity)
Disclaimer: This calculator provides estimates for educational purposes only. It is not financial advice. Consult a certified financial planner for personalized guidance. Past performance does not guarantee future results.