What is the AOW retirement age?
The AOW retirement age is the moment when your AOW benefit starts. This age has increased in recent years and is linked to average life expectancy. For 2024, the AOW retirement age is 67 years.
AOW retirement age depending on year of birth
| Year of birth | AOW retirement age | AOW starts in |
|---|---|---|
| 1957 | 66 years and 7 months | 2023/2024 |
| 1958 | 66 years and 10 months | 2024/2025 |
| 1959 | 67 years | 2026 |
| 1960 | 67 years | 2027 |
| 1961 and later | 67 years (depending on life expectancy) | 2028 and later |
How do you calculate your AOW retirement age?
SVB calculation tool
Via the website svb.nl, you can easily calculate your exact AOW date. Enter your date of birth and you will immediately receive the exact start date of your AOW, accurate to the day.
Relation to life expectancy
The AOW retirement age is adjusted to life expectancy:
- For each year of additional life expectancy, the AOW retirement age increases by 8 months
- Maximum increase: 3 months per year
- Definitive determination takes place 5 years in advance
Stopping work earlier
If you want to stop working before your AOW retirement age:
- The AOW does not start earlier
- You must financially bridge the period yourself
- Options: own savings, early retirement pension or RVU scheme
- Note: no unemployment benefit (WW) shortly before AOW retirement age
Continuing to work after AOW retirement age
If you continue working after your AOW retirement age:
- Your AOW benefit is not increased
- Possibility of additional pension accrual
- Tax advantage: no more AOW premium
Can I defer my AOW benefit?
No, the AOW starts automatically at your AOW retirement age. Deferral for a higher benefit is not possible.
What if I become unemployed shortly before my AOW?
In that case, you may be eligible for an IOW benefit (Income Provision for Older Unemployed Persons) instead of WW.
Will the AOW retirement age go to 68 or 69 years?
This is possible in the future, depending on life expectancy. Any increases will be announced in due time.
Frequently asked questions about AOW in Rijswijk
How do I know the exact start date of my AOW?
Your exact AOW date depends on your date of birth. Via the calculation tool on svb.nl, you can calculate this date accurate to the day by entering your date of birth. This date is definitively set five years in advance.
Is early retirement possible?
Yes, you can stop working earlier, but your AOW benefit starts only at the official AOW retirement age. You must finance the intervening period yourself, for example with savings or an early retirement scheme.
What if I continue working after my AOW retirement age?
You receive your AOW benefit normally, without increase. However, you can build up additional pension and no longer pay AOW premium, which is tax advantageous.
What is the IOW benefit?
The IOW (Income Provision for Older Unemployed Persons) is a scheme for people who become unemployed shortly before their AOW retirement age and no longer receive WW. This benefit continues until your AOW starts, provided you meet the conditions.
How is the future AOW retirement age determined?
The AOW retirement age depends on life expectancy. For an increase of one year in life expectancy, the AOW retirement age rises by eight months, with a maximum of three months per year.
Help with legal questions in Rijswijk
For questions about AOW or other legal matters, you can go to the Juridisch Loket Rijswijk. In addition, legal proceedings in this region fall under the Rechtbank Den Haag.