2/ 14-e e r
Motie Krol c.s. varianten herzien

ZO / ,_

Herziene berekeningen Witteveen 2015

resultaten

Overzicht gevolgen op te bouwen OP (ML) o.b.v. prognose AOW-leeftijd
Opbouwperiode pensioen vanaf 25 jaar tot aan AOW-leeftijd

Werknemer geboren 1958 (AOW-leeftijd 67 6/12 jaar)

1 x modaal
2 x modaal
3 x modaal
4 x modaal

OP
vanaf
67 6/12 jaar

AOW
Totaal
(prognose) OP + AOW

C
C
C
C

laatste
gemiddeld vervangings laatste loon vervangings
maximum
loon
ratio
(volledig
ratio
pensioengeven geïndexeerd gemiddeld
jaar)
laatste
d
loon
loon

C
C
C
C

C
C
C
C

21.762
64.036
106.599
142.007

11.743
11.743
11.743
11.743

C
C
C
C

33.505
75.778
118.341
153.750

121.899
121.899
121.899
121.899

C
C
C

34.845
69.872
103.142

C

135.237

96%
108%

C
C

40.227
80.454

83%
94%

115%
114%

C
C

120.680
160.907

98%
96%

Werknemer geboren 1968 (AOW-leeftijd 68 9/12 jaar)

1 x modaal
2 x modaal
3 x modaal
4 x modaal

OP
vanaf
68 9/12 jaar

AOW
(prognose)

Totaal
OP + AOW

C
C
C
C

laatste
gemiddeld vervangings laatste loon vervangings
maximum
loon
ratio
(volledig
ratio
pensioengeven geïndexeerd gemiddeld
jaar)
laatste
d
loon
loon

C
C
C
C

C
C
C
C

C
C
C
C

25.079
74.611
123.778
154.091

14.600
14.600
14.600
14.600

39.680
89.211
138.378
168.691

151.567
151.567
151.567
151.567

C
C
C
C

44.372
88.723
133.085
177.447

89%
101%
104%
95%

C
C
C
C

51.017
102.035
153.052
204.069

78%
87%
90%
83%

Werknemer geboren 1978 (AOW-leeftijd 70 3/12 jaar)

1 x modaal
2 x modaal
3 x modaal
4 x modaal

OP
vanaf
70 3/12 jaar

AOW
Totaal
(prognose) OP + AOW

C
C
C
C

C
C
C
C

28.213
83.744
139.367
164.129

18.517
18.517
18.517
18.517

C
C
C
C

laatste
gemiddeld vervangings laatste loon vervangings
maximum
loon
ratio
(volledig
ratio
pensioengeven geïndexeerd gemiddeld
jaar)
laatste
d
loon
loon
46.729 C
192.223 C
54.936
85%
C
63.434
74%
102.261 C
192.223 C
109.752
93%
C
126.867
81%
157.883 C
192.223 C
164.628
96%
C
190.301
83%

182.646 C

192.223

C

219.505

83%

C

253.735

72%

Werknemer geboren 1988 (AOW-leeftijd 71 6/12 jaar)

1 x modaal
2 x modaal
3 x modaal
4 x modaal

OP
vanaf
71 6/12 jaar

AOW
Totaal
(prognose) OP + AOW

C
C
C
C

laatste
gemiddeld vervangings laatste loon vervangings
maximum
loon
ratio
(volledig
ratio
pensioengeven geïndexeerd gemiddeld
jaar)
laatste
d
loon
loon

C
C
C
C

C
C
C
C

34.753
101.912
169.109
195.083

23.023
23.023
23.023
23.023

C
C
C
C

57.776
124.935
192.133
218.106

239.005 C
239.005 C
239.005 C
239.005 C

68.855
137.657
206.485
275.313

84%
91%
93%
79%

C
C
C
C

78.872
157.744
236.615
315.487

73%
79%
81%
69%

Herziene berekeningen Witteveen 2015

reken

inflatiecorrectie loon
inflatiecorrectie AOW
indexatie maximum pensioengevend loon
indexatie opgebouwd pensioen

2,00%
2100%
2,00%
2,00%

carriere

<35
<45
<55
>55

modaal loon

C

33.000

AOW-franchise 1-1-2013

C

13.227

opbouwpercentage

< 2014
2014
>2014

3,00%
2,00%
1,00%
0,00%

2,25%
2,15%
1,75%

factoren herrekening opgebouwd OP
Prognosetafels unisex (50/50) 3% rr, continu uitk.)
60-65
1,3601
65-67
1,1480
67-68
1,0757
68-69
1,0788
69-70
1,0821
70-71
1,0858
71-71,5
1,0441
68-67,5
0,9634
70-68,75
0,9069
71-70,25
0,9401
ingangsdatum pensioenuitkeringen

aanvangsleeftijd pensioenopbouw
werknemer geboren 1958
werknemer geboren 1968
werknemer geboren 1978
werknemer geboren 1988

prognose AOW-leeftijd

25
25
25
25

Herziene berekeningen Witteveen 2015

Maximum pensioengevend loon

reken

2015 C
2016 C
2017 C
2018 C
2019 C
2020 C
2021 C
2022 C
2023 C
2024 C
2025 C
2026 C
2027 C
2028 C
2029 C
2030 C
2031 C
2032 C
2033 C
2034 C
2035 C
2036 C
2037 C
2038 C
2039 C
2040 C
2041 C
2042 C
2043 C
2044 C
2045 C
2046 C
2047 C
2048 C
2049 C
2050 C
2051 C
2052 C
2053 C
2054 C
2055 C
2056 C
2057 C
2058 C
2059 C
2060 C
2061 C
2062 C
2063 C
2064 C
2065 C
2066 C
2067 C
2068 C
2069 C
2070 C

100.000,00
102.000,00
104.040,00
106.120,80
108.243,22
110.408,08
112.616,24
114.868,57
117.165,94
119.509,26
121.899,44
124.337,43
126.824,18
129.360,66
131.947,88
134.586,83
137.278,57
140.024,14
142.824,62
145.681,12
148.594,74
151.566,63
154.597,97
157.689,93
160.843,72
164.060,60
167.341,81
170.688,65
174.102,42
177.584,47
181.136,16
184.758,88
188.454,06
192.223,14
196.067,60
199.988,96
203.988,73
208.068,51
212.229,88
216.474,48
220.803,97
225.220,05
229.724,45
234.318,94
239.005,31
243.785,42
248.661,13
253.634,35
258.707,04
263.881,18
269.158,80
274.541,98
280.032,82
285.633,47
291.346,14
297.173,07

Herziene berekeningen Witteveen 2015

reken

Wijzigingen pensioenrichtleeftijd o.b.v. CBS Prognose bevolking kerncijfers, 2012-2060
1-1-2006
60-65
1-1-2014
65-67
1-1-2020
67-68
1-1-2028
68-69
1-1-2036
69-70
1-1-2045
70-71

Wijzigingen AOW-leeftijd o.b.v. CBS Prognose bevolking kerncijfers, 2012-2060
1-1-2013 65 1/12
1-1-2014 65 2/12
1-1-2015 65 3/12
1-1-2016 65 5/12
1-1-2017 65 7/12
1-1-2018 65 9/12
1-1-2019 66
1-1-2020 66 3/12
1-1-2021 66 6/12
1-1-2022 66 9/12
1-1-2023 67
1-1-2024 67 3/12
1-1-2025 67 6/12
1-1-2028 67 9/12
1-1-2030 68
1-1-2032 68 3/12
1-1-2034 68 6/12
1-1-2036 68 9/12
1-1-2038 69
1-1-2040 69 3/12
1-1-2042 69 6/12
1-1-2044 69 9/12
1-1-2046 70
1-1-2048 70 3/12
1-1-2050 70 6/12
1-1-2053 70 9/12
1-1-2055 71
1-1-2057 71 3/12
1-1-2059 71 6/12

Herziene berekeningen Witteveen 2015

wn 1958
modaal loon

1983 C
1984 C
1985 C
1986 C
1987 C
1988 C
1989 C
1990 C
1991 C
1992 C
1993 C
1994 C
1995 C
1996 C
1997 C
1998 C
1999 C
2000 C
2001 C
2002 C
2003 C
2004 C
2005 C
2006 C
2007 C
2008 C
2009 C
2010 C
2011 C
2012 C
2013 C
2014 C
2015 C
2016 C
2017 C
2018 C
2019 C
2020 C
2021 C
2022 C
2023 C
2024 C
2025 C
2026 C
2027 C
2028 C
2029 C
2030 C
2031 C
2032 C
2033 C
2034 C
2035 C
2036 C
2037 C
2038 C
2039 C
2040 C
2041 C
2042 C
2043 C
2044 C
2045 C
2046 C
2047 C
2048 C
2049 C
2050 C
2051 C
2052 C
2053 C
2054 C
2055 C
2056 C
2057 C
2058 C
2059 C
2060 C

17.511
17.861
18.218
18.583
18.954
19.333
19.720
20.115
20.517
20.927
21.346
21.773
22.208
22.652
23.105
23.567
24.039
24.519
25.010
25.510
26.020
26.541
27.071
27.613
28.165
28.728
29.303
29.889
30.487
31.097
31.719
32.353
33.000
33.660
34.333
35.020
35.720
36.435
37.163
37.907
38.665
39.438
40.227
41.031
41.852
42.689
43.543
44.414
45.302
46.208
47.132
48.075
49.036
50.017
51.017
52.038
53.078
54.140
55.223
56.327
57.454
58.603
59.775
60.970
62.190
63.434
64.702
65.996
67.316
68.663
70.036
71.437
72.865
74.323
75.809
77.325
78.872
80.449

minimum
loon

11.993
11.636
11.636
11.636
11.636
11.690
11.690
11.789
12.156
12.362
12.546
12.722
12.722
12.722
12.844
13.058
13.387
13.792
14.151
14.962
15.638
16.190
16.392
16.392
16.493
16.858
17.302
17.900
18.243
18.460
18.748
19.044
19.424
19.813
20.209
20.613
21.026
21.446
21.875
22.313
22.759
23.214
23.678
24.152
24.635
25.128
25.630
26.143
26.666
27.199
27.743
28.298
28.864
29.441
30.030
30.630
31.243
31.868
32.505
33.155
33.818
34.495
35.185
35.888
36.606
37.338
38.085
38.847
39.624
40.416
41.224
42.049
42.890
43.748
44.623
45.515
46.425
47.354

leeftijd

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67

carriere

loon
berekend 1 * modaal

3% C 10.076
3% C 10.580
3% C 11.109
3% C 11.665
3% C 12.248
3% C 12.860
3% C 13.503
3% C 14.178
3% C 14.887
3% C 15.632
2% C 16.257 c
2% C 16.907
2% C 17.584
2% C 18.287 c
2% C 19.018
2% C 19.779
2% C 20.570
2% C 21.393
20/0 C 22.249
20/0 C 23.139
1% C 23.833
1% C 24.548
1% C 25.284
1% C 26.043
1% C 26.824 c
1% C 27.629
1% C 28.458
1% C 29.312
10/0 C 30.191
1510 C 31.097
0% C 31.719
0% C 32.353
00/01 C 33.000 1 C
0% C 33.660 C
0% C 34.333 C
0% C 35.020 C
0% C 35.720 C
0% C 36.435 C
0% C 37.163 C
0% C 37.907 C
0% C 38.665 C
0% C 39.438 C
0% C 40.227 C

2 * modaal 3 * modaal

11.993

11.636
11.636
11.665
12.248
12.860
13.503
14.178
14.887
15.632
16.257
16.907
17.584
18.287 c
19.018 c
19.779
20.570
21.393
22.249
23.139 c
23.833
24.548
25.284
26.043
26.824
27.629 c
28.458
29.312
30.191
31.097
31.719 c
32.353
33.000 1C
33.660 C
34.333 C
35.020 C
35.720 C
36.435 C
37.163 C
37.907 C
38.665 C
39.438 C
40.227 C

20.153
21.160
22.218
23.329
24.496
25.721
27.007
28.357
29.775
31.264
32.514
33.815
35.167
36.574
38.037
39.558
41.141
42.786
44.498
46.278
47.666
49.096
50.569
52.086
53.648
55.258
56.916
58.623
60.382
62.193
63.437
64.706
66.000 1 C
67.320 C
68.666 C
70.040 C
71.441 C
72.869 C
74.327 C
75.813 C
77.330 C
78.876 C
80.454 C

wettelijk minimumloon

4 * modaal

30.229 C
31.741 C
33.328 C
34.994 C
36.744 C
38.581 C
40.510 C
42.535 C
44.662 C
46.895 C
48.771 C
50.722 C
52.751 C
54.861 C
57.055 C
59.337 C
61.711 C
64.179 C
66.747 C
69.416 C
71.499 C
73.644 C
75.853 C
78.129 C
80.473 C
82.887 C
85.373 C
87.935 C
90.573 C
93.290 C
95.156 C
97.059 C
99.000 1C
100.980 C
103.000 C
105.060 C
107.161 C
109.304 C
111.490 C
113.720 C
115.994 C
118.314 C
120.680 C

40.305
42.321
44.437
46.659
48.992
51.441
54.013
56.714
59.550
62.527
65.028
67.629
70.334
73.148
76.074
79.117
82.281
85.573
88.995
92.555
95.332
98.192
101.138
104.172
107.297
110.516
113.831
117.246
120.764
124.387
126.874
129.412
132.000
134.640
137.333
140.079
142.881
145.739
148.653
151.627
154.659
157.752
160.907

Herziene berekeningen Witteveen 2015

loon

wn 1968
modaal loon

1983 C
1984 C
1985 C
1986 C
1987 C
1988 C
1989 C
1990 C
1991 C
1992 C
1993 C
1994 C
1995 C
1996 C
1997 C
1998 C
1999 C
2000 C
2001 C
2002 C
2003 C
2004 C
2005 C
2006 C
2007 C
2008 C
2009 C
2010 C
2011 C
2012 C
2013 C
2014 C
2015 C
2016 C
2017 C
2018 C
2019 C
2020 C
2021 C
2022 C
2023 C
2024 C
2025 C
2026 C
2027 C
2028 C
2029 C
2030 C
2031 C
2032 C
2033 C
2034 C
2035 C
2036 C
2037 C
2038 C
2039 C
2040 C
2041 C
2042 C
2043 C
2044 C
2045 C
2046 C
2047 C
2048 C
2049 C
2050 C
2051 C
2052 C
2053 C
2054 C
2055 C
2056 C
2057 C
2058 C
2059 C
2060 C

minimum
loon

17.511 C
17.861 C
18.218 C
18.583 C
18.954 C
19.333 C
19.720 C
20.115 C
20.517 C
20.927 C
21.346 C
21.773 C
22.208 C
22.652 C
23.105 C
23.567 C
24.039 C
24.519 C
25.010 C
25.510 C
26.020 C
26.541 C
27.071 C
27.613 C
28.165 C
28.728 C
29.303 C
29.889 C
30.487 C
31.097 C
31.719 C
32.353 C
33.000 C
33.660 C
34.333 C
35.020 C
35.720 C
36.435 C
37.163 C
37.907 C
38.665 C
39.438 C
40.227 C
41.031 C
41.852 C
42.689 C
43.543 C
44.414 C
45.302 C
46.208 C
47.132 C
48.075 C
49.036 C
50.017 C
51.017 C
52.038 C
53.078 C
54.140 C
55.223 C
56.327 C
57.454 C
58.603 C
59.775 C
60.970 C
62.190 C
63.434 C
64.702 C
65.996 C
67.316 C
68.663 C
70.036 C
71.437 C
72.865 C
74.323 C
75.809 C
77.325 C
78.872 C
80.449 C

11.993
11.636
11.636
11.636
11.636
11.690
11.690
11.789
12.156
12.362
12.546
12.722
12.722
12.722
12.844
13.058
13.387
13.792
14.151
14.962
15.638
16.190
16.392
16.392
16.493
16.858
17.302
17.900
18.243
18.460
18.748
19.044
19.424
19.813
20.209
20.613
21.026
21.446
21.875
22.313
22.759
23.214
23.678
24.152
24.635
25.128
25.630
26.143
26.666
27.199
27.743
28.298
28.864
29.441
30.030
30.630
31.243
31.868
32.505
33.155
33.818
34.495
35.185
35.888
36.606
37.338
38.085
38.847
39.624
40.416
41.224
42.049
42.890
43.748
44.623
45.515
46.425
47.354

leeftijd

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68

carriere

loon
berekend 1 * modaal

3% C 12.529
3% C 13.155 C
3% C 13.813 C
3% C 14.504 C
3% C 15.229 C
3% C 15.990 C
3% C 16.790 C
3% C 17.629 C
3% C 18.511 C
3% C 19.436 C
2% C 20.214 C
2% C 21.022 C
2% C 21.863 C
2% C 22.738 C
2% C 23.647 C
2% C 24.593 C
2% C 25.577 C
2% C 26.600 C
2% C 27.664 C
2% C 28.770 C
1% C 29.633 C
1% C 30.522 C
1% C 31.438 C
1% C 32.381 C
1% C 33.353 C
1% C 34.353 C
1% C 35.384 C
1% C 36.445 C
1% C 37.539 C
1% C 38.665 C
0% C 39.438 C
0% C 40.227 C
0% C 41.031 C
0,61 C 41.852 C
0% C 42.689 C
0% C 43.543 C
0% C 44.414 C
0% C 45.302 C
0% C 46.208 C
0% C 47.132 C
0% C 48.075 C
0% C 49.036 C
0% C 50.017 C
0% C 51.017 C

1

2 * modaal 3 * modaal

c

25.057

C

13.155 C
26.310 C
13.813 C
27.626 C
14.504 C
29.007 C
15.229 C
30.457 C
15.990 C
31.980 C
16.790 C
33.579 C
17.629 C
35.258 C
18.511 C
37.021 C
19.436 C
38.872 C
20.214 C
40.427 C
21.022 C
42.044 C
21.863 C
43.726 C
22.738 C
45.475 C
23.647 C
47.294 C
24.593 C
49.186 C
25.577 C
51.153 C
26.600 C
53.199 C
27.664 C
55.327 C
28.770 C
57.540 C
29.633 C
59.267 C
30.522 C
61.045 C
31.438 C
62.876 C
32.381 C
64.762 C
33.353 C
66.705 C
34.353 C
68.706 C
35.384 C
70.767 C
36.445 C
72.890 C
37.539 C
75.077 C
38.665 C
77.330 C
39.438 C
78.876 C
40.227 C
80.454 C
41.031 C
82.063 C
41.852 1C
83.704 C
42.689 C
85.378 C
43.543 C
87.086 C
44.414 C
88.827 C
45.302 C
90.604 C
46.208 C
92.416 C
47.132 C
94.264 C
48.075 C
96.150 C
49.036 C
98.073 C
50.017 C 100.034 C
51.017 C 102.035 C

4 * modaal

37.586 C
39.465 C
41.439 C
43.511 C
45.686 C
47.970 C
50.369 C
52.887 C
55.532 C
58.308 C
60.641 C
63.066 C
65.589 C
68.213 C
70.941 C
73.779 C
76.730 C
79.799 C
82.991 C
86.311 C
88.900 C
91.567 C
94.314 C
97.143 C
100.058 C
103.059 C
106.151 C
109.336 C
112.616 C
115.994 C
118.314 C
120.680 C
123.094 C
125.556 I C
128.067 C
130.628 C
133.241 C
135.906 C
138.624 C
141.396 C
144.224 C
147.109 C
150.051 C
153.052 C

50.115
52.621
55.252
58.014
60.915
63.961
67.159
70.517
74.042
77.744
80.854
84.088
87.452
90.950
94.588
98.372
102.306
106.399
110.655
115.081
118.533
122.089
125.752
129.525
133.410
137.413
141.535
145.781
150.154
154.659
157.752
160.907
164.125
167.408
170.756
174.171
177.655
181.208
184.832
188.529
192.299
196.145
200.068
204.069

Herziene berekeningen Witteveen 2015

loon

wn 1978
modaal loon

minimum
loon

leeftijd

carriere
berekend

1983 C
1984
1985 C
1986
1987 C
1988 C
1989 C
1990 C
1991
1992 C
1993 C
1994 C
1995 C
1996 C
1997 C
1998
1999 C
2000 C
2001
2002 C
2003 C
2004 C
2005 C
2006 C
2007 C
2008 C
2009 C
2010 C
2011 C
2012 C
2013 C
2014 C
2015 C
2016 C
2017 C
2018 C
2019 C
2020 C
2021 C
2022 C
2023 C
2024 C
2025 C
2026 C
2027 C
2028 C
2029 C
2030 C
2031 C
2032 C
2033 C
2034 C
2035 C
2036 C
2037 C
2038 C
2039 C
2040 C
2041 C
2042 C
2043 C
2044 C
2045 C
2046
2047 C
2048 C
2049 C
2050 C
2051 C
2052 C
2053 C
2054
2055 C
2056 C
2057 C
2058 C
2059 42060

17.511 C
17.861 C
18.218 C
18.583 C
18.954 C
19,333 C
19.720 C
20.115 C
20.517 C
20.927 C
21.346 C
21.773 C
22.208 C
22.652 C
23.105 C
23.567 C
24.039 C
24.519 C
25.010 C
25.510
26.020 C
26.541 C
27.071 C
27.613 C
28.165 C
28.728 C
29.303 C
29.889 C
30.487 C
31.097 C
31.719 C
32.353
33.000 C
33.660 C
34.333 C
35.020 C
35.720 C
36.435 C
37.163 C
37.907 C
38.665 C
39.438 C
40.227 C
41.031 C
41.852 C
42.689 C
43.543 C
44.414 C
45.302 C
46.208 C
47.132 C
48.075 C
49.036 C
50.017 C
51.017 C
52.038 C
53.078 C
54.140 C
55.223 C
56.327 C
57.454 C
58.603 C
59.775 C
60.970 C
62.190 C
63.434 C
64.702 C
65.996 C
67.316 C
68.663 C
70.036 C
71.437 C
72.865 C
74.323 C
75.809 C
77.325 C
78.872 C
80.449 C

11.993
11.636
11.636
11.636
11.636
11.690
11.690
11.789
12.156
12.362
12.546
12.722
12.722
12.722
12.844
13.058
13.387
13,792
14.151
14.962
15.638
16.190
16.392
16.392
16.493
16.858
17.302
17.900
18.243
18.460
18.748
19.044
19.424
19.813
20.209
20.613
21.026
21.446
21.875
22.313
22.759
23.214
23.678
24.152
24.635
25,128
25.630
26.143
26.666
27.199
27.743
28.298
28.864
29.441
30.030
30.630
31.243
31.868
32.505
33.155
33.818
34.495
35.185
35.888
36.606
37.338
38.085
38.847
39.624
40.416
41.224
42.049
42.890
43.748
44.623
45.515
46,425
47.354

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70

3%
3%
30/0
30/0
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
20/0
2%
2%
2%
10/0
1%
1%
1%
1%
1%
1%
1%
1%
1%
0%
0%
0%
00/0
0%
0% C
0% C
0% C
0% C
0% C
0% C
0% C
0% C
0% C
0% C
0% C

loon
1 * modaal

14.973 C
15.722 C
16.508 C
17.333 C
18.200 C
19.110 C
20.065 C
21.068 C
22.122 C
23.228 C
24.157 C
25.123 C
26.128 C
27.173 C
28.260 C
29.391 C
30.566 C
31.789 C
33.061 C
34.383 C
35.415 C
36.477 C
37.571 C
38.698 C
39.859 C
41.055 C
42.287 C
43.555 C
44.862 C
46.208 C
47.132 C
48.075 C
49.036 C
50.017 C
51.017 C
52.038 1C
53.078 C
54.140 C
55.223 C
56.327 C
57.454 C
58.603 C
59.775 C
60.970 C
62.190 C
63.434 C

15.638
16.190

2 * modaal

C
C
16.508 C
17.333 C
18.200 C
19.110 C
20.065 C
21.068 C
22.122 C
23.228 C
24.157 C
25.123 C
26.128 C
27.173 C
28.260 C
29.391 C
30.566 C
31.789 C
33.061 C
34.383 C
35.415 C
36.477 C
37.571 C
38.698 C
39.859 C
41.055 C
42.287 C
43.555 C
44.862 C
46.208 C
47.132 C
48.075 C
49.036 C
50.017 C
51.017 C
52.038 1C
53.078 C
54.140 C
55.223 C
56.327 C
57.454 C
58.603 C
59.775 C
60.970 C
62.190 C
63.434 C

3 * modaal

29.946 C
31.443 C
33.015 C
34.666 C
36.399 C
38.219 C
40.130 C
42.137 C
44.244 C
46.456 C
48.314 C
50.247 C
52.257 C
54.347 C
56.521 C
58.782 C
61.133 C
63.578 C
66.121 C
68.766 C
70.829 C
72.954 C
75.143 C
77.397 C
79.719 C
82.110 C
84.574 C
87.111 C
89.724 C
92.416 C
94.264 C
96.150 C
98.073 C
100.034 C
102.035 C
104.075 I C
106.157 C
108.280 C
110.446 C
112.655 C
114.908 C
117.206 C
119.550 C
121.941 C
124.380 C
126.867 C

4 * modaal

44.919 C
47.165 C
49.523 C
51.999 C
54.599 C
57.329 C
60.196 C
63.205 C
66.366 C
69.684 C
72.471 C
75.370 C
78.385 C
81.520 C
84.781 C
88.172 C
91.699 C
95.367 C
99.182 C
103.149 C
106.244 C
109.431 C
112.714 C
116.095 C
119.578 C
123.166 C
126.861 C
130.666 C
134.586 C
138.624 C
141.396 C
144.224 C
147.109 C
150.051 C
153.052 C
156.113 1 C
159.235 C
162.420 C
165.668 C
168.982 C
172.361 C
175.809 C
179.325 C
182.911 C
186.570 C
190.301 C

59.892
62.886
66.031
69.332
72.799
76.439
80.261
84.274
88.487
92.912
96.628
100.493
104.513
108.694
113.041
117.563
122.266
127.156
132.243
137.532
141.658
145.908
150.285
154394
159.438
164.221
169.147
174.222
179.448
184.832
188.529
192.299
196.145
200.068
204.069
208.151 1
212.314
216.560
220.891
225.309
229.815
234.411
239.100
243.882
248.759
253.735

Herziene berekeningen Witteveen 2015

loon

wn 1988
modaal loon

1983 C
1984 C
1985 C
1986 C
1987 C
1988 C
1989 C
1990 C
1991 C
1992 C
1993 C
1994 C
1995 C
1996 C
1997 C
1998 C
1999 C
2000 C
2001 C
2002 C
2003 C
2004 C
2005 C
2006 C
2007 C
2008 C
2009 C
2010 C
2011 C
2012 C
2013 C
2014 C
2015 C
2016 C
2017 C
2018 C
2019 C
2020 C
2021 C
2022 C
2023 C
2024 C
2025 C
2026 C
2027 C
2028 C
2029 C
2030 C
2031 C
2032 C
2033 C
2034 C
2035 C
2036 C
2037 C
2038 C
2039 C
2040 C
2041 C
2042 C
2043 C
2044 C
2045 C
2046 C
2047 C
2048 C
2049 C
2050 C
2051 C
2052 C
2053 C
2054 C
2055 C
2056 C
2057 C
2058 C
2059 C
2060 C

17.511
17.861
18.218
18.583
18.954
19.333
19.720
20.115
20.517
20.927
21.346
21.773
22.208
22.652
23.105
23.567
24.039
24.519
25.010
25.510
26.020
26.541
27.071
27.613
28.165
28.728
29.303
29.889
30.487
31.097
31.719
32.353
33.000
33.660
34.333
35.020
35.720
36.435
37.163
37.907
38.665
39.438
40.227
41.031
41.852
42.689
43.543
44.414
45.302
46.208
47.132
48.075
49.036
50.017
51.017
52.038
53.078
54.140
55.223
56.327
57.454
58.603
59.775
60.970
62.190
63.434
64.702
65.996
67.316
68.663
70.036
71.437
72.865
74.323
75.809
77.325
78.872
80.449

minimum
loon

11.993
11.636
11.636
11.636
11.636
11.690
11.690
11.789
12.156
12.362
12.546
12.722
12.722
12.722
12.844
13.058
13.387
13.792
14.151
14.962
15.638
16.190
16.392
16.392
16.493
16.858
17.302
17.900
18.243
18.460
18.748
19.044
19.424
19.813
20.209
20.613
21.026
21.446
21.875
22.313
22.759
23.214
23.678
24.152
24.635
25.128
25.630
26.143
26.666
27.199
27.743
28.298
28.864
29.441
30.030
30.630
31.243
31.868
32.505
33.155
33.818
34.495
35.185
35.888
36.606
37.338
38.085
38.847
39.624
40.416
41. 224
42.049
42.890
43.748
44.623
45.515
46.425
47.354

leeftijd

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71

carriere

loon
berekend 1 * modaal

3% C 18.252
3% C 19.165 C
3% C 20.123 C
3% C 21.129 C
3% C 22.185 C
3% C 23.295 C
3°/o C 24.459 C
3% C 25.682 C
3% C 26.966 C
3% C 28.315 C
2% C 29.447 C
2% C 30.625 C
2% C 31.850 C
2% C 33.124 C
2% C 34.449 C
2% C 35.827 C
2% C 37.260 C
2% C 38.751 C
2% C 40.301 C
2% C 41.913 C
1% C 43.170 C
1% C 44.465 C
1% C 45.799 C
1% €47.173 C
1% C 48.588 C
1% C 50.046 C
1% C 51.547 C
1% C 53.094 C
1% C 54.687 C
1% C 56.327 C
0% C 57.454 C
0% C 58.603 C
0% C 59.775 C
0% C 60.970 C
0% C 62.190 C
0% C 63.434 C
0%1 C 64.702 1 C
0% C 65.996 C
0% C 67.316 C
0% C 68.663 C
0% C 70.036 C
0% C 71.437 C
0% C 72.865 C
0% C 74.323 C
0% C 75.809 C
0% C 77.325 C
0% C 78.872 C

2 * modaal 3 * modaal

C
19.165

C
20.123 C
21.129 C
22.185 C
23.295 C
24.459 C
25.682 C
26.966 C
28.315 C
29.447 C
30.625 C
31.850 C
33.124 C
34.449 C
35.827 C
37.260 C
38.751 C
40.301 C
41.913 C
43.170 C
44.465 C
45.799 C
47.173 C
48.588 C
50.046 C
51.547 C
53.094 C
54.687 C
56.327 C
57.454 C
58.603 C
59.775 C
60.970 C
62.190 C
63.434 C
64.702 1C
65.996 C
67.316 C
68.663 C
70.036 C
71.437 C
72.865 C
74.323 C
75.809 C
77.325 C
78.872 C

36.504 C
38.329 C
40.246 C
42.258 C
44.371 C
46.589 C
48.919 C
51.365 C
53.933 C
56.630 C
58.895 C
61.250 C
63.701 C
66.249 C
68.898 C
71.654 C
74.521 C
77.501 C
80.601 C
83.826 C
86.340 C
88.931 C
91.598 C
94.346 C
97.177 C
100.092 C
103.095 C
106.188 C
109.373 C
112.655 C
114.908 C
117.206 C
119.550 C
121.941 C
124.380 C
126.867 C
129.405 1C
131.993 C
134.633 C
137.325 C
140.072 C
142.873 C
145.731 C
148.645 C
151.618 C
154.650 C
157.744 C

4 * modaal

54.756 C
57.494 C
60.368 C
63.387 C
66.556 C
69.884 C
73.378 C
77.047 C
80.899 C
84.944 C
88.342 C
91.876 C
95.551 C
99.373 C
103.348 C
107.482 C
111.781 C
116.252 C
120.902 C
125.738 C
129.510 C
133.396 C
137.398 C
141.520 C
145.765 C
150.138 C
154.642 C
159.282 C
164.060 C
168.982 C
172.361 C
175.809 C
179.325 C
182.911 C
186.570 C
190.301 C
194.107 1 C
197,989 C
201.949 C
205.988 C
210.108 C
214.310 C
218.596 C
222.968 C
227.427 C
231.976 C
236.615 C

73.008
76.658
80.491
84.516
88.741
93.179
97.837
102.729
107.866
113.259
117.789
122.501
127.401
132.497
137.797
143.309
149.041
155.003
161.203
167.651
172.681
177.861
183.197
188.693
194.354
200.184
206.190
212.375
218.747
225.309
229.815
234.411
239.100
243.882
248.759
253.735
258.809
263.985
269.265
274.650
280.143
285.746
291.461
297.290
303.236
309.301
315.487

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1958 - 1 x modaal

1-1-1958
67,5
(1-7-2025)
68
(1-1-2026)
67,5

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum pensioen- AOW pensioen opbouw
(tijdspensioen- gevend franchise grondsla percentag
evenredig)
gevend
loon
e
g
loon
ML

OP

indexatie Cumulatie
opgebouw
f
d
OP
OP

0P60
1983
25
1984
26
1985
27
1986
28
1987
29
1988
30
1989
31
1990
32
1991
33
1992
34
1993
35
1994
36
1995
37
1996
38
1997
39
1998
40
1999
41
2000
42
2001
43
2002
44
2003
45
2004
46
2005
47
2006
48
2007
49
2008
50
2009
51
2010
52
2011
53
2012
54
2013
55
2014
56
2015
57
2016
58
2017
59
2018
60
2019
61
2020
62
2021
63
2022
64
2023
65
2024
66
2025
67
1-7-2025 67,5

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
42,5

3%
3%
3%
3%
3%
3%
3%
3%

396
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

09/o

2%
2%
2%
2%
2%

29/o
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2°/0
2%
2%
2%
2%
2%
2%
2%

C 11.993
C 11.636
C 11.636
C 11.665
C 12.248
C 12.860
C 13.503
C 14.178
C 14.887
C 15.632
C 16.257
C 16.907

C 17.584
C 18.287
C 19.018
C 19.779
C 20.570
C 21.393
C 22.249
C 23.139
C 23.833
C 24.548
C 25.284
C 26.043
C 26.824
C 27.629
C 28.458
C 29.312
C 30.191
C 31.097
C 31.719
C 32.353
C 33.000
C 33.660
C 34.333
C 35.020
C 35.720
C 36.435
C 37.163
C 37.907
C 38.665
C 39.438
C 40.227

11.993
11.636
11.636
11.665
12.248
12.860
13.503
14.178
14.887
15.632
16.257
16.907
17.584
18.287
19.018
19.779
20.570
21.393
22.249
23.139
23.833
24.548

25.284
26.043
26.824
27.629
28.458
29.312
30.191
31.097
31.719
32.353
33.000
33.660
34.333
35.020
35.720
36.435
37.163
37.907
38.665
39.438
20.113

c

c

c

11.993
11.636
11.636
11.665
12.248

11.993
11.636
11.636
11.665
12.248

12.860
13.503
14.178
14.887
15.632
16.257
16.907
17.584
18.287
19.018
19.779
20.570
21.393
22.249
23.139
23.833

12.860
13.503
14.178
14.887
15.632
16.257
16.907
17.584
18.287
19.018
c 19.779
20.570
21.393
22.249
23.139
23.833
24.548
25.284
26.043
26.824
27.629
28.458
29.312
30.191
c 31.097
31.719
32.353
C 33.000
C 33.660
C 34.333
C 35.020
C 35.720
C 36.435
C 37.163
C 37.907
C 38.665
C 39.438
C 20.113

24.548
25.284
c 26.043
26.824
27.629
28.458
29.312
30.191
31.097
31.719
32.353
C 100.000
C 102.000
C 104.040
C 106.121
C 108.243
C 110.408
C 112.616
C 114.869
C 117.166
C 119.509
C 60.950

c

c

7.302 C 4.691
7.448 C 4.187
7.597 C 4.038
7.749 C 3.915
7.904 C 4.344
8.062 C 4.798
8.224 C 5.280
8.388 C 5.790
8.556 C 6.332
8.727
6.905
8.901
7.356
9.079
7.828
9.261
8.323
9.446
8.841
9.635
9.383
9.828
9.951
10.024
10.546
10.225
11.168
10.429
11.819
10.638
12.501
10.851
12.982
11.068 c 13.480
11.289
13.995
11.515
14.528
11.745
15.079
11,980
15.649
12.220
16.238
12.464
16,847
12.713
17.478
12.968
18.129
13.227
18.492
13.492
18.861
13.761
19.239
14.037
19.623
14.317
20.016
14.604
20.416
14.896
20.825
15.194 C 21.241
15.498 C 21.666
15.807 C 22.099
16.124 C 22.541
16.446 C 22.992
8.388 C 11.726

c

c
c

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,150/0
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75°/0
1,75%

C 106 C
C 94 C
C 91 C
C 88 C
C 98 C
C 108 C
C 119 C
C 130 C
C 142 C
C 155 C
C 166 C
C 176 C
C 187 C
C 199 C
C 211 C
C 224 C
C 237 C
C 251 C
C 266 C
C 281 C
C 292 C
C 303 C
C 315 C
C 327 C
C 339 C
C 352 C
C 365 C
C 379 C
C 393 C
C 408 C
C 416 C
C 406 C
C 337 C
C 343 C
C 350 C
C 357 C
C 364 C
C 372 C
C 379 C
C 387 C
C 394 C
C 402 C
C 205 C

2
4
6
8
10
12
15
18
21
25
28
32
37
42
47
52
58
64
71
78
85
93
137
147
156
166
177
188
200
212
258
271
283
296
309
322
361
376
391
406
422
439

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

106
202
297
391
496
614
745
891
1.051
1.227
1.417
1.622
1.841
2.077
2.330
2.600
2.890
3.199
3.529
3.880
4.250
4.638
5.046

0P65

0P67

0P68

AOW
Totaal
uitkering 0P+AOW

gemiddeld
loon
met
indexatie
tot
AOW

C
C
C
C
C
C
C
C
C

c

0P67,5
5.112
5.214
5.318
5.424
5.533
5.644
5.756
5.872
5.989
6.109
6.231
6.356
6.483
6.612
6.745
6.879
7.017
7.157
7.301
7.447
7.596
7.747
7.902
c 8.060
8.222
C 8.386
C 8.554
C 8.725
C 8.899
C 9.077
C 9.259
C 9.444
C 9.633
C 9.826
C 10.022
C 10.223
C 10.427
C 10.636
C 10.848
C 11.065
C 11.287
C 11.512
C 11.743
C 11.743

c
c

c

6.863
c 7.327
7.813
8.321
8.853
9.409
9.991
10.598
11.226 C 12.888
C 13.551
C 14.159
C 14.785
C 15.431
C 16.097
C 16.784 C 18.055
C 18.787
C 19.542
C 20.320
C 21.121
C 21.946
C 22.590
C 21.762

5.217
5.416
5.615
5.815
6.029
6.258
6.502
6.762
7.040
7.336
7.648
7.977
8.324
8.689
9.074
9.480
9.907
10.356
10.829
11.327
11.846
12.386
12.948
15.388
16.035
16.707
17.407
18.134
18.890
19.676
20.485
22.995

c

c
c
c

23.792
24.611
25.453
26.320
27.211
29.423
30.391
31.385
32.407
33.458
34.332

33.505

c
c

27.280
25.947
25.439
25.002
25.738
26.495
27.274
28.076
28.902
29.752
30.335
30.930
31.536
32.155
32.785
33.428
34.084
34.752
35.433
36.128
36.482

36.840
37.201
37.566
37.934
38.306
38.682
39.061
39.444
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
39.830
20.113
34.845

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1958 - 2 x modaal

1-1-1958
67,5
(1-7-2025)
68
(1-1-2026)
67,5

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum pensioen- AOW pensioen opbouw
pensioen- gevend franchise grondsla percentag
gevend loon g
e
loon
ML

OP

indexatie Cumulatie
opgebouw
d
OP
OP

0P60
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
1-7-2025

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
67,5

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
42,5

3%
396
3%
3%
3%
396
396
396
3%
3%
2%
2%
2%
296
296
296
296
296
296
296
196
196
196
196
196
196
196
1%
196
196
096
096
096
096
096
096
096
096
094
096
096
096
096

2%
296
2%
2%
2%
296
2%
2%
2%
2%
296
296
2%
296
296
296
296
296
296
2%
2%
296
296
296
296
296
296
296
296
296
2%
296
296
296
296
296
296
296
296
296
296
296
296

C 20.153
C 21.160
C 22.218
C 23.329
C 24.496
C 25.721
C 27.007
C 28.357
C 29.775
C 31.264
C 32.514
C 33.815
C 35.167
C 36.574
C 38.037
C 39.558
C 41.141
C 42.786
C 44.498
C 46.278
C 47.666
C 49.096
C 50.569
C 52.086
C 53.648
C 55.258
C 56.916
C 58.623
C 60.382
C 62.193
C 63.437
C 64.706
C 66.000
C 67.320
C 68.666
C 70.040
C 71.441
C 72.869
C 74.327
C 75.813
C 77.330
C 78.876
C 80.454

c

20.153
20.153
21.160
21.160
22.218
22.218
23.329
23.329
24.496
24.496
25.721
25.721
27.007 c 27.007
28.357
28.357
29.775
29.775
31.264
31.264
32.514 c 32.514
33.815
33.815
35.167
35.167
36.574
36.574
38.037
38.037
39.558
39.558
41.141
41.141
42.786
42.786
44.498
44.498
46.278 c 46.278
47.666 c 47.666
49.096
49.096
50.569
50.569
52.086
52.086
53.648
53.648
55.258
55.258
56.916
56.916
58.623
58.623
60.382
60.382
62.193
62.193
63.437
63.437
64.706
64.706
66.000 C 100.000
67.320 C 102.000
68.666 C 104.040
70.040 C 106.121
71.441 C 108.243
72.869 C 110.408
74.327 C 112.616
75.813 C 114.869
77.330 C 117.166
78.876 C 119.509
40.227 C 60.950

c

C 20.153
C 21.160
C 22.218
C 23.329
C 24.496
C 25.721
C 27.007
C 28.357
C 29.775
C 31.264
C 32.514
C 33.815
C 35.167
C 36.574
€ 38.037
C 39.558
C 41.141
42.786
44.498
46.278
47.666
49.096
50.569
c 52.086
53.648
55.258
56.916
58.623
60.382
62.193
63.437
64.706
66.000
67.320
68.666
70.040
71.441
72.869
74.327
75.813
77.330
78.876
40.227

c
c

c

c
c

7.302
7.448
7.597
7.749
7.904
8.062
8.224
8.388
8.556
8.727
8.901
9.079
9.261
9.446
9.635
9.828
10.024
10.225
10.429
10.638
10.851
11.068
11.289
11.515
11.745
11.980
12.220
12.464
12.713
12.968
13.227
13.492
13.761
14.037
14.317
14.604
14.896
15.194
15.498
15.807
16.124
16.446
8.388

12.850
13.712
14.621
15.580
c 16.592
17.658
18.783
19.969
c 21.219
22.537
23.613
24.735
25.906
27.128
28.402
29.730
31.116
32.561
34.068
c 35.640
36.815
38.028
c 39.280
40.571
41.903
C 43.278
C 44.696
C 46.159
C 47.668
C 49.226
C 50.210
C 51.214
C 52.239
C 53.283
C 54.349
C 55.436
C 56.545
C 57.676
C 58.829
C 60.006
C 61.206
C 62.430
C 31.839

c

c

2,2596
2,2596
2,2596
2,2596
2,25%
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,25%
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,2596
2,25%
2,2595
2,1596
1,7596
1,75%
1,7596
1,7596
1,7596
1,7596
1,7556
1,7596
1,7596
1,7596
1,7596

C 289 C
C 309 C
C 329 C
C 351 C
C 373 C
C 397 C
C 423 C
C 449 C
C 477 C
C 507 C
C 531 C
C 557 C
C 583 C
C 610 C
C 639 C
C 669 C
C 700 C
C 733 C
C 767 C
C 802 C
C 828 C
C 856 C
C 884 C
C 913 C
C 943 C
C 974 C
C 1.006 C
C 1.039 C
C 1.073 C
C 1.108 C
C 1.130 C
C 1.101 C
C 914 C
C 932 C
C 951 C
C 970 C
C 990 C
C 1.009 C
C 1.030 C
C 1.050 C
C 1.071 C
C 1.093 C
C 557 C

6
12
19
26
34
43
52
62
73
85
97
110
124
139
154
171
188
206
226
246
268
290
427
454
482
511
541
573
606
640
775
813
847
883
919
957
1.072
1.113
1.156
1.200
1.246
1.292

c

c

c

c

AOW
Totaal
gemiddel
uitkering 0P+AOW
d
loon
met
indexatie
tot
OP65

289
603
944
1.314
1.714
2.145
2.611
3.112
3.652
4.232
4.848
5.501
6.194
6.929
7.706
8.529
9.400
10.321
11.293
12.321
13.396
14.520
15.694 C 21.345
C 22.684
C 24.081
C 25.536
C 27.053
C 28.632
C 30.277
C 31.990
C 33.760 C
C
C
C
C
C
C

0P67

0P68

0P67,5
5.112
5.214
5.318
5.424
5.533
5.644
c 5.756
5.872
5.989
6.109
6.231
6.356
6.483
6.612
6.745
6.879
7.017
7.157
7.301
7.447
7.596
7.747
7.902
8.060
8.222
8.386
8.554
8.725
8.899
9.077
9.259
9.444
9.633
9.826
C 10.022
C 10.223
C 10.427
C 10.636
C 10.848
C 11.065
C 11.287
C 11.512
C 11.743
C 11.743

c

c

c

c

38.756
40.632
42.359
44.139
45.973
47.862
49.809

c
c

53.581
55.662
57.805
60.011
62.282
64.620
66.470
C 64.036

5.401
5.817
6.263
6.738
7.246
7.789
8.367
8.984
9.641
10.341
11.079
11.857
12.677
13.541
14.451
15.409
16.417
17.478
18.594
19.768
20.992
22.267
23.596
30.745
32.302
33.922
35.606
37.357
39.177
41.068
43.019
50.076
51.992
53.964
55.995
58.085
60.236
66.298
68.653
71.076
73.569
76.133
78.213
75.778

C 45.840
C 47.188
C 48.576
C 50.004
C 51.475
C 52.989
C 54.548
C 56.152
C 57.804
C 59.504
C 60.670
C 61.860
C 63.073
C 64.310
C 65.571
C 66.856
C 68.167
C 69.504
C 70.867
72.256
72.965
73.680
74.402
75.132
75.868
76.612
77.363
78.122
78.888
79.661
79.661
79.661
c 79.661
79.661
79.661
79.661
79.661
79.661
79.661
79.661
79.661
79.661
40.227
69.319

c
c

c
c

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1958 - 3 x modaal

1-1-1958
67,5
(1-7-2025)
68
(1-1-2026)
67,5

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
Jaar)

loon
maximum pensioenAOW
pensioen opbouw
(tijdspensioen- gevend franchise grondslag percentag
evenredig) gevend
loon
e
loon
ML

OP

indexatie Cumulatie
opgebouw
d
OP
OP

0P60
1983 25
1984
26
1985
27
1986
28
1987
29
1988 30
1989
31
1990 32
1991 33
1992
34
1993
35
1994
36
1995
37
1996
38
1997 39
1998 40
1999 41
2000 42
2001 43
2002 44
2003 45
2004 46
2005 47
2006 48
2007 49
2008
50
2009
51
2010
52
2011
53
2012 54
2013 55
2014
56
2015
57
2016 58
2017 59
2018 60
2019
61
2020 62
2021 63
2022 64
2023 65
2024 66
2025
67
1-7-2025 67,5

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
42,5

394
394
394
394
394
394
394
394
394
394
294
294
294
294
294
2%
2%
294
294
294
1%
194
194
194
194
194
194
194
194
1°k
0%
094
094
094
094
094
094
094
0%
0%
094
094
094

2%
294
294
294
294
294
294
2%
2%
294
294
294
294
294
2%
294
294
2%
2%
2%
2%
294
294
294
294
294
294
294
294
2%
294
254
294
294
294
294
294
294
294
294
294
294
294

30.229
31.741
33.328
34.994
36.744
38.581
40.510
42.535
44.662
46.895
48.771
50.722
52.751
54.861
57.055
59.337
61.711
64.179
66.747
69.416
71.499
73.644
75.853
78.129
80.473
82.887
85.373
87.935
90.573
93.290
95.156
97.059
99.000
C 100.980
C 103.000
C 105.060
C 107.161
C 109,304
C 111.490
C 113.720
C 115.994
C 118.314
C 120.680

30.229
30.229
30.229
31.741
31.741
31,741
33.328
33.328
33.328
34.994
34.994
34.994
36.744
36.744
36.744
38.581
38.581
38.581
40.510
40.510
40.510
42.535
42.535
42.535
44.662
44.662
44.662
46.895
46.895
46.895
48.771
48.771
48.771
50.722
50.722
50.722
52.751
52.751
52.751
54.861
54.861
54.861
57.055
57.055
57.055
59.337
59.337
59.337
61.711
61.711
61.711
64.179
64.179
64.179
66.747
66.747
66.747
69.416
69.416
69.416
71.499
71.499
71.499
73.644
73.644
73.644
75.853
75.853
75.853
78.129
78,129
78.129
80.473
80.473
80.473
82.887
82.887
82.887
85.373
85.373
85.373
87.935
87.935
87.935
90.573
90.573
90.573
93.290
93.290
93.290
95.156
95.156
95.156
97.059
97,059
97.059
99.000 C 100.000
99. 000
100.980 C 102.000 C 100.980
103.000 C 104.040 C 103.000
105.060 C 106.121 C 105.060
107.161 C 108.243 C 107.161
109.304 C 110.408 C 109.304
111.490 C 112.616 C 111.490
113.720 C 114.869 C 113.720
115.994 C 117.166 C 115.994
118.314 C 119.509 C 118.314
60.340 C 60.950 C 60.340

7.302
22.927
7.448
24.292
7.597
25.730
7.749
27.245
7.904
28.839
8.062
30.519
8.224
32.286
8.388
34.147
8.556
36.106
8.727
38.168
8.901
39.870
9.079
41.643
9.261
43.490
9.446
45.415
9.635
47.420
9.828
49.510
10.024
51.687
10.225
53.955
10.429
56.317
10.638
58. 778
10.851
60.648
11.068
62.576
11.289
64.564
11.515
66.614
11.745
68.727
11.980
70.907
12.220
73.154
12.464
75.471
12.713
77.859
12.968
80.322
13.227
81.929
13.492
83,567
13.761
85.239
14,037
86.943
14.317
88.682
14.604
90.456
14.896
92.265
15.194
94.110
15.498
95.993
15.807 C 97.912
16.124 C 99.871
16.446 C101.868
8.388 C 51.953

2,2594
C 516 C
2,2594
C 547 C
2,2594
C 579 C
2,25%
C 613 C
2,25% C 649 C
2,25%
C 687 C
2,2594
C 726 C
2,2594
C 768 C
2,2594
C 812 C
2,2594
C 859 C
2,2594
C 897 C
2,2594
C 937 C
2,2594
C 979 C
2,2594
C 1.022 C
2,2594
C:1.067 C
2,2594
C 1.114 C
2,2594
C 1.163 C
2,2594
C 1.214 C
2,2594
C 1.267 C
2,2594
C 1.323 C
2,2594
C 1.365 C
2,2594
C1.408 C
2,2594
C 1.453 C
2,2594
C 1.499 C
2,2594
C1.546 C
2,2594
€1.595 C
2,2594
€1.646 C
2,2594
C 1.698 C
2,2594
C1.752 C
2,2594
C 1.807 C
2,25%
C1.843 C
2,15%
€1.797 C
1,7594
C1.492 C
1,75%
C 1.522 C
1,75%
€1.552 C
1,75%
C 1.583 C
1,75%
C 1.615 C
1,7594
C1.647 C
1,7594
C1.680 C
1,7594
C 1.713 C
1,7594
C 1.748 C
1,7594
C:1.783 C
1,7594
C 909 C

10
21
33
46
60
75
91
108
127
147
167
190
213
238
264
291
320
351
383
418
453
490
720
764
810
858
909
961
1.015
1.071
1.297
1.359
1.416
1.475
1.535
1.597
1.787
1.856
1.927
2.000
2.075
2.152

516
1.073
1.673
2.320
3.015
3.762
4.564
5.423
6.344
7.330
8.373
9.478
10.646
11.881
13.185
14.563
16.017
17.551
19.169
20.875
22.657
24.519
26.462

0P65

c

35.990
38.208
40.519
42.925
45.429
48.036
50.748
53.570
56.485

0P67

0P68

C 64.844
C 67.938
C 70.788
C 73.726
C 76.752
C 79.870
C 83.082 C 89.374
C 92.808
C 96.344
C 99.985
C 103.732
C 107.590
C 110.651

AOW
Totaal
uitkering 0P+AOW

gemiddeld
loon
met
Indexatie
tot
AOW

5.112
5.627
5.214
6.287
5.318
6.991
5.424
7.744
5.533
8.548
5.644
9.405
5.756
10.320
5.872
11.295
5.989
12.333
6.109
13.438
6.231
14.604
6.356
15.833
6.483
17.129
6.612
18.493
6.745
19.930
6.879
21.442
7.017
23.034
7.157
24.709
7.301
26.470
7.447
28.322
7.596
30.253
7.747
32,266
7.902
34.364
8.060
46.269
8.222
48.740
8.386
51.311
8.554
53.983
8.725
56.761
8.899
59.648
9.077
62.648
9.259
65,744
9.444
77.382
9.633
80.421
9.826
83.551
10.022
86.774
10.223
90.093
10.427
93.509
10.636 C 103.444
10.848 C 107.193
11.065 C 111.050
11.287 C 115.019
11.512 C 119.102
11.743 C 122.393
11.743 C 118.341

68.759
70.782
72.864
75.007
77.213
79.484
81.821
84.228
86.705
89.255
91.006
92.790
94.609
96.464
98.356
100.284
102.251
104.256
106.300
108.384
109.447
110.520
111.603
112.698
113.802
114.918
116.045
117.182
118.331
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
119.491
60.340
103.979

OP67,5

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1958 - 4 x modaal

1-1-1958
67,5
(1-7-2025)
68
(1-1-2026)
67,5

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum pensioenAOW pensioen opbouw
(tijdspensioen- gevend franchise grondslag percentag
evenredig) gevend
loon
e
loon
ML

OP

indexatie Cumulatie
opgebouw
d
OP
OP

01'60
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
1-7-2025

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
67,5

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
42,5

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

40.305
42.321
44.437
46.659
48.992
c 51.441
54.013
56.714
59.550
62.527
65.028
67.629
70.334
73.148
76.074
79.117
C 82.281
C 85.573
C 88.995
C 92.555
C 95.332
C 98.192
C 101.138
C 104.172
C 107.297
C 110.516
C 113.831
C 117.246
C 120.764
C 124.387
C 126.874
C 129.412
C 132.000
C 134.640
C 137.333
C 140.079
C 142.881
C 145.739
C 148.653
C 151.627
C 154.659
C 157.752
C 160.907

40.305
42.321
44.437
46.659
48.992
51.441
54.013
56.714
59.550
62.527
65.028
67.629
70.334
73.148
76.074
79.117
82.281
85.573
88.995
92.555
95.332
98.192
101.138
104.172
107.297
110.516
113.831
117.246
120.764
124.387
126.874
129.412
132.000
134.640
137.333
140.079
142.881
145.739
148.653
151.627
154.659
157.752
80.454

40.305
40.305
42.321 € 42.321
44.437
44.437
46.659 € 46.659
c 48.992 € 48.992
51.441 € 51.441
54.013 € 54.013
56.714 € 56.714
59.550 c 59.550
62.527 € 62.527
65.028 € 65.028
67.629 € 67.629
70.334 € 70.334
73.148
73.148
76.074 € 76.074
79.117 € 79.117
82.281 € 82.281
c 85.573 € 85.573
88.995 € 88.995
92.555 € 92.555
95.332 € 95.332
98.192 € 98.192
C 101.138 C 101.138
C 104.172 C 104.172
C 107.297 C 107.297
C 110.516 C 110.516
C 113.831 C 113.831
C 117.246 C 117.246
C 120.764 C 120.764
C 124.387 C 124.387
C 126.874 C 126.874
C 129.412 C 129.412
C 100.000 C 100.000
C 102.000 C 102.000
C 104.040 C 104.040
C 106.121 C 106.121
C 108.243 C 108.243
C 110.408 C 110.408
C 112.616 C 112.616
C 114.869 C 114.869
C 117.166 C 117.166
C 119.509 C 119.509
C 60.950 C 60.950

7.302
7.448
7.597
7.749
7.904
8.062
8.224
8.388
8.556
8.727
8.901
9.079
9.261
9.446
9.635
9.828
10.024
10.225
10.429
10.638
10.851
11.068
11.289
11.515
11.745
11.980
12.220
12.464
12.713
12.968
13.227
13.492
13.761
14.037
14.317
14.604
14.896
15.194
15.498
15.807
16.124
16.446
8.388

33.003
34.872
36.840
38.909
41.087
43.379
45.790
48.326
50.994
53.800
56.127
58.550
61.073
63.702
66.439
c 69.289
72.257
c 75.348
78.566
81.917
84.481
c 87.124
89.849
c 92.657
95.552
98.536
C 101.612
C 104.782
C 108.050
C 111.419
C 113.647
C 115.920
C 86.239
C 87.963
C 89.723
C 91.517
C 93.347
C 95.214
C 97.119
C 99.061
C 101.042
C 103.063
C 52.562

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,250/0
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C 743
C 785
C 829
C 875
C 924
C 976
C 1.030
C 1.087
C 1.147
C 1.211
C 1.263
C 1.317
C 1.374
C 1.433
C 1.495
C 1.559
C 1.626
C 1.695
C 1.768
C 1.843
C 1.901
C 1.960
C 2.022
C 2.085
C 2.150
C 2.217
C 2.286
C 2.358
C 2.431
C 2.507
C 2.557
C 2.492
C 1.509
C 1.539
C 1.570
C 1.602
C 1.634
C 1.666
C 1.700
C 1.734
C 1.768
C 1.804
C 920

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

15
31
48
67
86
108
130
155
181
209
238
269
302
337
373
412
453
496
541
589
638
690
1.013
1.075
1.139
1.206
1.276
1.349
1.424
1.503
1.819
1.905
1.973
2.043
2.116
2.190
2.438
2.520
2.605
2.691
2.781
2.872

€
€
€
€
€
€
€

€
€

€
€
€
€

€
€
€
€

€
€

743
1.542
2.402
3.325
4.316
5.379
6.516
7.734
9.036
10.427
11.899
13.454
15.097
16.833
18.664
20.596
22.634
24.782
27.045
29.430
31.919
34.518
37.230

0P65

0P67

0P68

AOW
Totaal
uitkering 0P+AOW

gemiddel
d
loon
met
indexatie
tot

€ 5.112
€ 5.214

c

c

c

C 91.679
C 94.376
C 97.151
C 100.009
C 102.950
C 105.978
C 109.095
C 112.304
C 115.607
C 119.007
C 121.341
C 123.720
C 126.146
C 128.619
C 131.141
C 133.713
C 136.334
C 139.008
C 141.733
C 144.512
C 145.929
C 147.360
C 148.805
C 150.263
C 151.737
C 153.224
C 154.726
C 156.243
C 157.775
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 159.322
C 80.454
C 138.638

0P67,5

50.635
53.732
56.957
€ 60.313
€ 63.806
€ 67.439
€ 71.219
€ 75.150
€ 79.211 C 90.933
C 95.244
C 98.658
C 102.170
C 105.784
C 109.501
C 113.324 C 121.907
C 126.011
C 130.231
C 134.569
C 139.029
C 143.613
C 147.405
€
€

C 142.007

€

5.854
6.756
5.318 €
7.720
5.424 €
8.750
€ 5.533 c
9.849
€ 5.644 € 11.022
5.756 € 12.273
5.872 € 13.606
€ 5.989 € 15.025
6.109 € 16.536
6.231 € 18.130
€ 6.356 € 19.810
€ 6.483 € 21.580
€ 6.612 € 23.445
€ 6.745 € 25.409
€ 6.879 € 27.476
€ 7.017 € 29.651
€ 7.157 € 31.940
€ 7.301
34.346
€ 7.447 € 36.876
€ 7.596 € 39.514
7.747 € 42.265
€ 7.902 € 45.132
8.060
61.793
€ 8.222 € 65.178
C 8.386
68.699
C 8.554 € 72.359
C 8.725
76.164
C 8.899
80.119
C 9.077 € 84.228
C 9.259 € 88.469
C 9.444 C 104.688
C 9.633 C 108.291
C 9.826 C 111.996
C 10.022 C 115.806
C 10.223 C 119.723
C 10.427 C 123.751
C 10.636 C 136.647
C 10.848 C 141.079
C 11.065 C 145.634
C 11.287 C 150.315
C 11.512 C 155.125
C 11.743 C 159.147
C 11.743 C 153.750

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
Ingangsdatum pensioen

jaar

wn 1968 - 1 x modaal

1-1-1968
68,75 (1-10-2036)
70
(1-1-2038)
68,75
(1-10-2036)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum pensioen- AOW
pensioen
opbouw
(tijdspensioen- gevend franchise grondsla percentag
evenredi
gevend
loon
e
g
loon
ML
9)

OP

indexatie Cumulatie
opgebouw
d
OP
OP

AOW
uitkering

0P60

1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2007
2008
2009
2010
2011
2012
2013

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

2014

46

2015
2016
2017
2018
2019

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

2%

2%

2%
2%
2%
2%
2%
2%
1%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

22

1%

2%

C

30.522

C 30.522

C

47
48
49
50
51

23
24
25
26
27

1%
1%
1%
1%
1%

2%
2%
2%
2%
2%

C
C
C
C
C

31.438
32.381
33.353
34.353
35.384

C 31.438
C 32.381
C 33.353
C 34.353
C 35.384

C 100.000
C 102.000
C 104.040
C 106.121
C 108.243

c 31.438 C 13.761 C 17.677
c 32.381 C 14.037 C 18.345

2020

52

28

1%

2%

C

36.445

C 36.445

C 110.408

c 36.445

C 15.194

2021
2022
2023
2024
2025
2026
2027

53
54
55
56
57
58
59

29
30
31
32
33
34
35

1%
1%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C

37.539
38.665
39.438
40.227
41.031
41.852
42.689

C 37.539
C 38.665
C 39.438
C 40.227
C 41.031
C 41.852
C 42.689

C 112.616
C 114.869
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

37.539
c 38.665
39.438
40.227
41.031
41.852
c 42.689

C
C
C
C
C
C
C

15.498
15.807
16.124
16.446
16.775
17.111
17.453

2028

60

36

0%

2%

C

43.543

C 43.543

C 129.361

43.543

C 17.802

C 25.741

37
38
39
40
41
42
43

0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C

44.414
45.302
46.208
47.132
48.075
49.036
50.017

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595

45.302
46.208
47.132
c 48.075
49.036
c 50.017

C
C
C
C
C
C
C

0%

2%

C

51.017

C 113.675

38.263

C 26.256
C 26.781
C 27.317
C 27.863
C 28.420
C 28.989
C 29.568
C 22.620

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

43,75

C 44.414
C 45.302
C 46.208
C 47.132
C 48.075
C 49.036
C 50.017
C 38.263

c 44.414

1,75%

2006

2029
61
2030
62
2031
63
2032
64
2033
65
2034
66
2035
67
2036
68
1-10-2036 68,75

12.722
13.155
13.813
14.504
15.229
15.990
16.790
17.629
18.511
19.436
20.214
21.022
21.863

C 12.722
C 13.155
C 13.813
C 14.504
C 15.229
C 15.990
C 16.790
C 17.629
C 18.511
C 19.436
C 20.214
C 21.022
C 21.863

C
C
C
E
C
C
C
C
C
C
C
C
C

12.722
13.155
13.813
14.504
15.229
15.990
16.790
17.629
18.511
19.436
20.214
21.022
21.863

C 12.722
C 13.155
C 13.813
C 14.504
C 15.229
C 15.990
C 16.790
17.629
18.511
19.436
20.214
c 21.022
c 21.863

22.738

C 22.738

C

22.738

22.738

23.647
24.593
25.577
26.600
27.664
28.770
29.633

C 23.647
C 24.593
C 25.577
C 26.600
C 27.664
C 28.770
C 29.633

C
C
C
C
C
C
C

23.647
24.593
25.577
26.600
27.664
28.770
29.633

c 23.647

30.522

c

24.593
25.577
26.600
27.664
28.770
29.633

C
C
C
C
C
C
C
C
C
C
C
C
C

8.901
9.079
9.261
9.446
9.635
9.828
10.024
10.225
10.429
10.638
10.851
11.068
11.289

C 3.820
C 4.076
C 4.552
C 5.057
C 5.594
C 6.162
C 6.765
C 7.404
C 8.081
C 8.798
C 9.363
C 9.954
C 10.574

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%

C 11.515

C 11.223

2,25%

C
C
C
C
C
C
C

C 11.902
C 12.613
C 13.357
C 14.136
C 14.950
C 15.803
C 16.406

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%

11.745
11.980
12.220
12.464
12.713
12.968
13.227

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

OP65

0P67

86
92
102
114
126
139
152
167
182
198
211
224
238

C
C
C
C
C
C
C
C
C
C
C
C
C

2
4
6
8
11
14
17
21
25
29
34
39

253

C

61

268
284
301
318
336
356
369

C
C
C
C
C
C
C

67
74
81
89
97
105
115

E

366

C

143

C

C
C
C
C
C
C
C
C
C
C
C
C
C

86
179
285
405
539
688
854
1.038
1.241
1.463
1,703
1.961
2.238

0P68

0P69

0P70

c

c

gemiddel
d
loon
met
indexatie
tot

6.317
6.535
6.768
7.017
7.283
7.568
7.871
8.195
8.541
8.910
9.299
9.709
10.141

29.662
30.071
30.956
31.866
32.803
33.768
34.761
35.784
36.836
37.920
38.663
39.421
40.194

0P68,75

C
C
C
C
C
C
C
C
C
C
C
C
C

6.231
6.356
6.483
6.612
6.745
6.879
7.017
7.157
7.301
7.447
7.596
7.747
7.902

3.358

C

8.060

11.418

40.982

3.693
4.050
4.432
4.839
5.272
5.733
6.217

7.136

C
C
C
C
C
C
C

8.222
8.386
8.554
8.725
8.899
9.077
9.259

11.914
12.436
12.986
13.563
14.171
14.810
15.475

41.786
42.605
43.441
44.293
45.161
46.047
46.498

7.645

C

9.444

17.089

46.954

C
C
C
C
C

9.633
9.826
10.022
10.223
10.427

17.741
18.416
19.118
19.846
20.601

47.414
47.879
48.348
48.822
49.301

3.044

c
c

Totaal
0P+AOW

c 30.522 C 13.492 C 17.031

2,15%

C 14.317
C 14.604
C 14.896

1,75%
1,75%
1,750/0
1,75%
1,75%

C
C
C
C
C

309
321
333
346
359

C
C
C
C
C

153
162
172
182
192

C 8.108
C 8.591
C 9.096
C 9.623
C 10.174 C 10.945

C 21.252

1,75%

C 372

C

219

C 11.536

C

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

10.636

22.171

C 22.041
C 22.857
C 23.314
C 23.781
C 24.256
C 24.741
C 25.236

49,784

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

386
400
408
416
424
433
442

C
C
C
C
C
C
C

231
243
256
269
283
297
312

C 12.152
C 12.795
C 13.459
C 14.144
C 14.852
C 15.582
C 16.335

C
C
C
C
C
C

10.848
11.065
11.287
11.512
11.743
11.977
12.217

23.000
23.860
24.745
25.657
26.594
27.559
28.552

50.273
50.765
50.765
50.765
50.765
50.765
50.765

450

C

352

C 18.425

C

12.461

30.886

50.765

459
469
478
488
497
507
517
C 297

C
C
C
C
C
C
C

368
385
402
420
438
457
476

C 19.253
C 20.106
C 20.986
C 21.894
C 22.829
C 23.793
C 24.786

C
C
C
C
C
C
C

12.710
12.965
13.224
13.488
13.758
14.033
14.314

31.963
33.071
34.210
35.382
36.587
37.826
39.100

50.765
50.765
50.765
50.765
50.765
50.765
50.765

C

536

C

14.600

42.255

38.263

C

14.600

39.680

33.353
34.353
35,384

c

c

18.158
18.521
18.891
19.269
19.655
20.048
20.449

C 15.643

C 19.035
C 19.749
C 20.488

1,75%

C 17.622

C 26.821

C 27.655
C 25.079

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1968 - 2 x modaal

1-1-1968
68,75 (1-10-2036)
70
(1-1-2038)
68,75

(1-10-2036)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum
pensioengevend
loon

pensioengevend
loon

AOW
pensioen
opbouw
franchise grondslag percentag
e
ML

OP

indexatie Cumulatie
opgebouwd
f
OP
OP

AOW
uitkering

0P60

1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005

25
26
27
28
29
30
31
32
33
34
35
36
37

5

3%
3%

6
7
8
9
10
11
12
13

3%
3%
3%
3%
3%
2%
2%
2%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

2006

38

14

2%

2%

2007
2008
2009
2010
2011
2012
2013

39
40
41
42
43
44
45

15
16
17
18
19
20
21

2%
2%
2%
2%
2%
2%
1%

2014

46

22

2015
2016
2017
2018
2019

47
48
49
50
51

2020

52

2021
2022
2023
2024
2025
2026
2027

53
54
55
56
57
58
59

23
24
25
26
27
28
29
30
31
32
33
34
35

2028

60

2029
2030
2031
2032
2033
2034
2035

61
62
63
64
65
66
67
68
68,75

2036
1-10-2036

1
2
3
4

3%
3%
3%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

25.057
26.310
27.626
29.007
30.457
31.980
33.579
35.258
37.021
38.872
40.427
42.044
43.726
47.294
49.186
51.153
53.199
55.327
57.540
59.267

1%

2%

C

61.045

1%
1%
1%
1%
1%

2%
2%
2%
2%
2%

C
C
C
E
C

62.876
64.762
66.705
68.706
70.767

1%

2%

C

72.890

1%
1%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%

36

0%

2%

37
38
39
40
41
42
43

0%
0%
0%
0%
0%
0%
0%

2%
20/0
2%
2%
2%
2%
2%

43,75

00/0

2%

C
75.077
C
77.330
C
78.876
C 80.454
E
82.063
C
83.704
C
85.378
C 87.086
C 88.827
C
90.604
C 92.416
C 94.264
C 96.150
C 98.073
C 100.034
C 102.035

45.475

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

25.057
26.310
27.626
29.007
30.457
31.980
33.579
35.258
37.021
38.872
40.427
42.044
43.726

C
C
C
C
C
C
C
C
C
C
C
C
C

25.057
26.310
27.626
29.007
30.457
31.980
33.579
35.258
37.021
38.872
40.427
42.044
43.726

C
C
C
C
C
C
C
C
C
C
C
C
C

25.057
26.310
27.626
29.007
30.457
31.980
33.579
35.258
37.021
38.872
40.427
42.044
43.726

45.475

C

45.475

C

45.475

47.294
49.186
51.153
53.199
55.327
57.540
59.267

47.294
49.186
51.153
53.199
55.327
57.540
59.267

C
C
C
C
C
C
C

47.294
49.186
51.153
53.199
55.327
57.540
59.267

61.045

C

61.045

62.876
64.762
66.705
68.706
70.767

C
C
C
C
C
C
C
C
C
C
C
C
C

100.000
102.000
104.040
106.121
108.243

62.876
64.762
66.705
68.706
70.767

72.890

C

110.408

72.890

C

75.077
77.330
78.876
80.454
82.063
83.704
85.378

C
C
E
C
C
C
C

112.616
114.869
117.166
119.509
121.899
124.337
126.824

75.077
77.330
78.876
80.454
82.063
83.704
85.378

C

87.086

C

129.361

C
C
C
C
C
C
C
C

88.827
90.604
92.416
94.264
96.150
98.073
100.034

C
C
C
C
C
C
C
C

131.948
134.587
137.279
140.024
142.825
145.681
148.595

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

61.045

76.526

113.675

87.086
88.827
90.604
92.416
94.264
96.150
98.073
100.034

76.526

8.901
9.079
9.261
9.446
9.635
9.828
10.024
10.225
10.429
10.638
10.851
11.068
11.289

C
C
C
C
C
C
C
C
C
C
C
C

16.156
17.231
18.365
19.561
20.822
22.152
23.555
25.033
26.592
28.234
29.576
30.976
32.437

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%

C
C
C
C
C
C
C
C
C
C
C
C
C

364
388
413
440
469
498
530
563
598
635
665
697
730

C
C
C
C
C
C
C
C
C
C
C
C
C

7
15
24
33
43
54
66
78
92
106
122
138

-

C
C
C
C
C
C
C
C
C
C
C
C
C

0P65

0P67

0P68

0P69

0P70

Totaal
0P+AOW

gemiddeld
loon
met
indexatie
tot
AOW

0P68,75

364
758
1.187
1.651
2.152
2.694
3.278
3.906
4.583
5.310
6.081
6.900
7.768 C 10.565

C
C
C
C
C
C
C
C

33.960

2,25%

C

764

C

211

C 11.540

11.745
11.980
12.220
12.464
12.713
12.968
13.227

35.549
37.206
38.934
40.735
42.614
44.573
46.040

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%

C
C
C
C
C
C
C

800
837
876
917
959
1.003
1.036

C
C
C
C
C
C
C

231
251
273
296
320
346
373

C
C
C
C
C
C
C

13.492

C

47.553

2,15%

C

1.022

C

461

C 24.510

C

9.444

C
C
C
C
C
15.194 C
15.498 C
15.807 C
16.124 C
16.446 C
16.775 C
17.111 C
17.453 C

49.115
50.726
52.388
54.103
55.872

1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
E
C

860
888
917
947
978

C
C
C
C
C

490
517
545
575
605

C
C
C
C
C

C
C
C
C
C

9.633
9.826
10.022
10.223
10.427

C
C
C
C
C
C
C
C
C
C
C
E
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

57.697

1,75%

C

1.010

C

685

C 35.935

C

10.636

C

46,571

C

99.569

59.580
61.522
62.752
64.008
65.288
66.593
67.925

1,75%
1,75%
1,75%
1,75%
1,750/0
1,75%
1,75%

1.043
1.077
1.098
1.120
1.143
1.165
1.189

C
C
C
C
C
C
C

719
754
791
828
867
907
949

C 37.697
C 39.527
C 41.416
C 43.364
C 45.374
C 47.447
C 49.585

C
C
C
C
C
C
C

100.545
101.531
101.531
101.531
101.531
101.531
101.531

69.284

1,75%

1.212

C

1.070

18.158
18.521
18.891
19.269
19.655
20.048
20.449

C
C
C
C
C
C
C
C

70.669
72.083
73.525
74.995
76.495
78.025
79.585

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

1.237 C
1.261 C
1.287 C
1.312 C
1.339 C
1.365 C
1.393 C

1.115
1.163
1.211
1.261
1.312
1.365
1.420

60.883

1,75%

C

799

1.598

C
C
C
C
C
C
C
12.461 C
12.710 C
12.965 C
13.224 C
13.488 C
13.758 C
14.033 C
14.314 C
14.600 C
14.600 C

48.545
50.592
52.702
54.877
57.117
59.424
61.802

C

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

10.848
11.065
11.287
11.512
11.743
11.977
12.217

17.802

C
E
C
C
C
C
C
C
C
C
C
C
C
C
C

11.515

C

13.761
14.037
14.317
14.604
14.896

15.643

C

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

12.571
13.659
14.809
16.021
17.301
18.649
20.058 C 23.027
25.859
27.264
28.726
30.248
31.830

C 34.241

C 53.491
C 55.773
C 58.125
C 60.549
C 63.047
C 65.620
C 68.271
C 71.002
C 73.815

C 79.875
C 82.272
C 74.611

6.231
6.356
6.483
6.612
6.745
6.879
7.017
7.157
7.301
7.447
7.596
7.747
7.902

8.060
8.222
8.386
8.554
8.725
8.899
9.077
9.259

6.594
7.114
7.670
8.263
8.897
9.573
10.295
11.064
11.883
12.756
13.677
14.647
15.670

19.601
20.792
22.045
23.362
24.746
26.200
27.727
29.317

33.954
35.492
37.090
38.748
40.470
42.257

C
C
C
C
C
C
C
C
C
C
C
C
E
C
C
C
C
C
C
C
C
E
C
C
C
C
C

58.424
60.143
61.912
63.732
65.607
67.537
69.523
71.568
73.673
75.840
77.327
78.843
80.389

81.965
83.572
85.211
86.882
88.585
90.322
92.093
92.996

93.908
94.828
95.758
96.697
97.645
98.602

68.234

C

101.531

70.836
73.514
76.271
79.109
82.029
85.035
88.129

C
C
C
C
C
C
C
C

101.531
101.531
101.531
101.531
101.531
101.531
101.531

96.872
89.211

76.526

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1968 - 3 x modaal

1-1-1968
68,75 (1-10-2036)
70
(1-1-2038)
68,75
(1-10-2036)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum
(tijdspensioenevenredig)
gevend
loon

pensioenAOW
pensioen opbouw
gevend franchise grondslag percentag
loon
e

OP

indexatie Cumulatie
opgebouwd
OP
OP

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
43,75

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
10/0
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

C 37.586
37.586
37.586
C 39.465
39.465
39.465
C 41.439
41.439
41.439
C 43.511
43.511
43.511
C 45.686
45.686
45.686
C 47.970
47.970
47.970
C 50.369
50.369
50.369
C 52.887
52.887
52.887
C 55.532
55.532
55.532
C 58.308
58.308
58.308
C 60.641
60.641
60.641
C 63.066
63.066
63.066
C 65.589
65.589
65.589
C 68.213
68.213
68.213
C 70.941
70.941
70.941
C 73.779
73.779
73.779
C 76.730
76.730
76.730
C 79.799
79.799
79.799
82.991
82.991
82.991
86.311
86.311
86.311
88.900
88.900
88.900
91.567 C 91.567
91.567
94.314 C 94.314 C 100.000
97.143 C 97.143 C 102.000
100.058 C 100.058 C 104.040
103.059 C 103.059 C 106.121
106.151 C 106.151 C 108.243
109.336 C 109.336 C 110.408
112.616 C 112.616 C 112.616
115.994 C 115.994 C 114.869
118.314 C 118.314 C 117.166
120.680 C 120.680 C 119.509
123.094 C 123.094 C 121.899
125.556 C 125.556 C 124.337
128.067 C 128.067 C 126.824
130.628 C 130.628 C 129.361
133.241 C 133.241 C 131.948
135.906 C 135.906 C 134.587
138.624 C 138.624 C 137.279
141.396 C 141.396 C 140.024
144.224 C 144.224 C 142.825
147.109 C 147.109 C 145.681
150.051 C 150.051 C 148.595
153.052 C 114.789 C 113.675

Totaal
0P+AOW

ML

0P60

1993 25
1994 26
1995 27
1996 28
1997 29
1998 30
1999 31
2000 32
2001 33
2002 34
2003 35
2004 36
2005 37
2006 38
2007 39
2008 40
2009 41
2010 42
2011 43
2012 44
2013 45
2014 46
2015 47
2016 48
2017 49
2018 50
2019 51
2020 52
2021 53
2022 54
2023 55
2024 56
2025 57
2026 58
2027 59
2028 60
2029 61
2030 62
2031 63
2032 64
2033 65
2034 66
2035 67
2036 68
1-10-2036 68,75

AOW
uitkering

37.586
39.465
41.439
43.511
45.686
47.970
50.369
52.887
55.532
58.308
60.641
63.066
65.589
68.213
70.941
73.779
76.730
79.799
82.991
86.311
88.900
91.567
94.314
97.143
100.058
103.059
106.151
109.336
112.616
114.869
117.166
119.509
121.899
124.337
126.824
129.361
131.948
134.587
137.279
140.024
142.825
145.681
148.595
113.675

C 8.901
28.685
C 9.079
30.386
C 9.261
32.178
C 9.446
34.064
C 9.635
36.051
C 9.828
38.143
C 10.024
40.345
C 10.225
42.663
C 10.429
45.102
C 10.638
47.670
10.851
49.790
11.068
51.999
11.289
54.300
11.515
56.698
11.745
59.196
11.980
61.799
12.220
64.510
12.464
67.335
12.713
70.278
12.968
73.343
13.227
75.673
13.492
78.075
13.761 C 80.553
14.037 C 83.107
14.317 C 85.740
14.604 C 88.456
14.896 C 91.255
15.194 C 94.142
15.498 C 97.118
15.807 C 99.061
16.124 C 101.042
16.446 C 103.063
16.775 C 105.124
17.111 C 107.227
17.453 C 109.371
17.802 C 111.559
18.158 C 113.790
18.521 C 116.066
18.891 C 118.387
19.269 C 120.755
19.655 C 123.170
20.048 C 125.633
20.449 C 128.146
15.643 C 98.032

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C 645 C
C 684 C
C 724 C
C 766 C
C 811 C
C 858 C
C 908 E
C 960 C
C 1.015 C
C 1.073 C
C 1.120 C
C 1.170 C
C 1.222 C
C 1.276 C
C 1.332 C
C 1.390 C
C 1.451 C
C 1.515 C
C 1.581 C
C 1.650 C
C 1.703 C
C 1.679 C
C 1.410 C
C 1.454 C
C 1.500 C
C 1.548 C
C 1.597 C
C 1.647 C
C 1.700 C
€1.734 C
C 1.768 C
C 1.804 E
C 1.840 C
C 1.876 C
C 1.914 E
E 1.952 C
C 1.991 C
C 2.031 C
C 2.072 C
C 2.113 C
C 2.155 C
C 2.199 C
C 2.243 C
C 1.287 C

13
27
42
58
75
94
114
136
159
183
209
237
362
395
429
466
504
544
587
631
779
828
872
919
967
1.018
1.151
1.207
1.265
1.325
1.387
1.451
1.517
1.584
1.785
1.859
1.936
2.016
2.098
2.182
2.269
2.358
2.651

645
1.342
2.093
2.901
3.770
4.704
5.706
6.780
7.930
9.161
10.465
11.844
13.303

0P65

18.093
19.730
21.457
23.276
25.193
27.212
29.338
31.575
33.909

0P67

C 38.927
C 41.384
C 43.621
C 45.948
C 48.368
C 50.883
C 53.498

0P68

0P69

0P70

57.549
60.347
63.254
66.253
69.346
72.536
75.827
79.220
82.718 C 89.234
E 92.971
C 96.822
C 100.790
C 104.877
C 109.088
C 113.425
C 117.892
C 122.493 C 132.550
C 136.488

gemiddeld
loon
met
indexatie
tot
AOW

0P68,75

C
C
C
C
C
C
C
C
C
E
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C 123.778 C

6.231 C
6.356 C
6.483 C
6.612 C
6.745 C
6.879 C
7.017 C
7.157 C
7.301 C
7.447 C
7.596 C
7.747 C
7.902 C
8.060 C
8.222 C
8.386 C
8.554 C
8.725 C
8.899 C
9.077 C
9.259 C
9.444 C
9.633 C
9.826 C
10.022 C
10.223 C
10.427 C
10.636 C
10.848 C
11.065 C
11.287 C
11.512 C
11.743 C
11.977 C
12.217 C
12.461 C
12.710 C
12.965 C
13.224 C
13.488 C
13.758 C
14.033 C
14.314 C
14.600 C
14.600 C

6.876 C
7.698 C
8.576 C
9.514 C
10.515 C
11.583 C
12.723 C
13.937 C
15.231 C
16.608 C
18.060 C
19.592 C
21.205 C
27.791 C
29.678 C
31.662 C
33.747 C
35.937 C
38.237 C
40.652 C
43.168 C
50.828 C
53.254 C
55.774 C
58.390 C
61.106 C
63.925 C
70.983 C
74.102 C
77.318 C
80.632 C
84.049 C
87.569 C
91.197 C
94.935 C
105.432 C
109.532 C
113.754 C
118.101 C
122.576 C

87.636
90.214
92.867
95.599
98.410
101.305
104.284
107.352
110.509
113.759
115.990
118.264
120.583
122.947
125.358
127.816
130.322
132.878
135.483
138.140
139.494
140.862
142.243
143.637
145.045
146.467
147.903
149.353
150.818
152.296
152.296
152.296
152.296
152.296
152.296
152.296
152.296
152.296
152.296
152.296

127.183 C
131.926 C
136.807 C
151.088 C
138.378

152.296
152.296
152.296
114.789

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
Ingangsdatum pensioen

jaar

wn 1968 - 4 x modaal

1-1-1968
68,75 (1-10-2036)
70
(1-1-2038)
68,75
(1-10-2036)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
Jaar)

loon
maximum
(tijdspensioenevenredig
gevend
loon

pensioengevend
loon

AOW
pensioen
franchise grondslag

opbouw
percentag
e
Ml.

OP

indexatie Cumulatie
opgebouw
d
OP
OP

01360

1993 25
1994 26
1995 27
1996 28
1997 29
1998 30
1999 31
2000 32
2001 33
2002 34
2003 35
2004 36
2005 37
2006 38
2007 39
2008 40
2009 41
2010 42
2011 43
2012 44
2013 45
2014 46
2015 47
2016 48
2017 49
2018 50
2019 51
2020 52
2021 53
2022 54
2023 55
2024 56
2025 57
2026 58
2027 59
2028 60
2029 61
2030 62
2031 63
2032 64
2033 65
2034 66
2035 67
2036 68
1-10-2036 68,75

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
43,75

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

50.115
50.115
50.115
52.621
52.621
52.621
55.252
55.252
55.252
58.014
58.014
58.014
60.915
60.915
60.915
63.961
63.961
63.961
67.159
67.159
67.159
70.517
70.517
70.517
74.042
74.042
74.042
77.744
77.744
77.744
80.854
80.854
80.854
84.088
84.088
84.088
87.452
87.452
87.452
90.950
90.950
90.950
94.588
94.588
94.588
98.372
98.372
98.372
102.306
102.306 C 102.306
106.399
106.399 C 106.399
110.655
110.655 C 110.655
115.081
115.081 C 115.081
118.533
118.533 C 118.533
122.089
122.089 C 122.089
125.752
125.752 C 100.000
129.525
129.525 C 102.000
133.410
133.410 C 104.040
137.413
137.413 C 106.121
141.535
141.535 C 108.243
145.781
145.781 C 110.408
150.154
150.154 C 112.616
154.659
154.659 C 114.869
157.752
157.752 C 117.166
160.907
160.907 E 119.509
164.125 C 164.125 C 121.899
167.408 C 167.408 C 124.337
170.756 C 170.756 C 126.824
174.171 C 174.171 C 129.361
C 177.655 C 177.655 C 131.948
C 181.208 C 181.208 C 134.587
C 184.832 C 184.832 C 137.279
C 188.529 C 188.529 C 140.024
C 192.299 C 192.299 C 142.825
C 196.145 C 196.145 C 145.681
C 200.068 C 200.068 C 148.595
C 204.069 C 153.052 C 113.675

50.115 C 8.901
52.621 C 9.079
55.252 C 9.261
58.014 C 9.446
60.915 C 9.635
63.961 E 9.828
67.159 C 10.024
70.517 C 10.225
74.042 C 10.429
77.744 C 10.638
80.854 C 10.851
84.088 C 11.068
87.452 C 11.289
90.950 C 11.515
94.588 C 11.745
98.372 C 11.980
102.306
12.220
106.399
12.464
110.655
12.713
115.081
12.968
118.533
13.227
122.089
13.492
100.000
13.761
102.000
14.037
104.040
14.317
106.121
14.604
108.243
14.896
110.408
15.194
112.616
15.498
114.869
15.807
117.166
16.124
119.509
16.446
121.899
16.775
124.337 C 17.111
126.824 C 17.453
129.361 C 17.802
131.948 C 18.158
134.587 C 18.521
137.279 C 18.891
140.024 C 19.269
142.825 C 19.655
145.681 C 20.048
148.595 C 20.449
113.675
15.643

41.213
43.541
45.991
48.568
51.280
54.133
57.134
60.292
63.613
67.107
70.004
73.021
76.163
79.435
82.843
86.391
90.087
93.935
97.941
102.113
105.306
108.598
86.239
87.963
89.723
91.517
93.347
95.214
97.119
99.061
101.042
103.063
105.124
107.227
109.371
111.559
113.790
116.066
118.387
120.755
123.170
125.633
128.146
98.032

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,750/0
1,75%
1,750/0
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,750/0
1,75%

C 927 C
C 980 C
C 1.035 C
C 1.093 C
C 1.154 C
C 1.218 C
C 1.286 £
C 1.357 C
C 1.431 C
C 1.510 C
C 1.575 C
C 1.643 C
C 1.714 C
C 1.787 C
C 1.864 C
C 1.944 C
C 2.027 C
C 2.114 C
C 2.204 C
C 2.298 C
C 2.369 C
C 2.335 C
C 1.509 C
C 1.539 C
C 1.570 C
C 1.602 C
C 1.634 C
C 1.666 C
C 1.700 C
C 1.734 C
C 1.768 C
C 1.804 C
C 1.840 C
C 1.876 E
C 1.914 C
C 1.952 C
C 1.991 C
C 2.031 C
C 2.072 C
C 2.113 C
C 2.155 C
C 2.199 C
C 2.243 C
C 1.287 C

19
39
60
83
108
134
163
193
226
260
297
336
512
558
607
658
712
768
827
890
1.097
1.165
1.219
1.274
1.331
1.389
1.560
1.624
1.691
1.759
1.830
1.902
1.977
2.054
2.302
2.387
2.474
2.564
2.657
2.752
2.851
2.952
3.306

927
1.926
2.999
4.152
5.388
6.714
8.134
9.653
11.278
13.013
14.848
16.788
18.838

AOW
uitkering

0P65

25.621
27.920
30.343
32.893
35.578
38.403
41.375
44.500
47.759

0P67

0P68

OP69

01'70

54.827
58.259
60.933
63.691
66.535
69.467
72.490 C 77.980
C 81.206
C 84.529
C 87.953
C 91.481
C 95.114
C 98.856
C 102.710
C 106.678 C 115.081
C 119.335
C 123.713
C 128.218
C 132.855
C 137.625
C 142.533
C 147.582
C 152.776 C 165.320
C 169.913

Totaal
0P+AOW

gemiddeld
loon
met
indexatie
tot
AOW

0P68,75

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
E
C
C
C
C
C
C
C

C
C
C
C
C
E
C
C
C
C
C
C
C
C
C
C
C
C 154.091 C

6.231 C
6.356 C
6.483 C
6.612 C
6.745 C
6.879 C
7.017 C
7.157 C
7.301 C
7.447 C
7.596 C
7.747 C
7.902 C
8.060 C
8.222 C
8.386 C
8.554 C
8.725 C
8.899 C
9.077 C
9.259 C
9.444 C
9.633 C
9.826 C
10.022 C
10.223 C
10.427 C
10.636 C
10.848 C
11.065 C
11.287 C
11.512 C
11.743 C
11.977 C
12.217 C
12.461 C
12.710 C
12.965 C
13.224 C
13.488 C
13.758 C
14.033 C
14.314 C
14.600 C
14.600 £

7.158
8.281
9.482
10.764
12.133
13.594
15.151
16.811
18.578
20.460
22.444
24.536
26.740
35.981
38.564
41.279
44.132
47.128
50.274
53.577
57.018
67.703
70.566
73.517
76.557
79.690
82.917
91.841
95.378
99.019
102.767
106.626
110.598
114.687
118.895
131.796
136.424
141.183
146.079
151.113
156.291
161.616
167.090
184.514
168.691

C 116.849
C 120.285
C 123.823
C 127.465
E 131.214
C 135.073
C 139.046
C 143.135
C 147.345
C 151.679
C 154.653
C 157.686
C 160.777
C 163.930
C 167.144
E 170.422
C 173.763
C 177.170
C 180.644
C 184.186
C 185.992
C 187.815
C 189.657
C 191.516
C 193.394
C 195.290
C 197.204
C 199.138
C 201.090
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 203.062
C 153.052

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1978 - 1 x modaal

1-1-1978
70,25 (1-4-2048)
71
(1-1-2049)
70,25

(1-4-2048)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum
pensioengevend
loon

pensioengevend
loon

AOW
pensioen
opbouw
franchise grondslag percentag
e
ML

OP

indexatie
opgebouwd
OP

Cumulati
af
OP

OP65

OP67

AOW
Totaal
uitkering 0P+AOW

0P68

0P69

0P70

01371.

gemiddeld
loon
met
indexatie
tot
AOW

0P70,25

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013

25
26
27
28
29
30
31
32
33
34
35

1
2
3
4
5
6
7
8
9
10
11

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C
C
C
C
C

15.638
16.190
16.508
17.333
18.200
19.110
20.065
21.068
22.122
23.228
24.157

C
C
C
C
C
C
C
C
C
C
C

15.638
16.190
16.508
17.333
18.200
19.110
20.065
21.068
22.122
23.228
24.157

C
E
C
C
C
C
C
C
C
C
C

15.638
16.190
16.508
17.333
18.200
19.110
20.065
21.068
22,122
23.228
24.157

C
C
C
C
C
C
C
C
C
C
C

15.638
16.190
16.508
17.333
18.200
19.110
20.065
21.068
22.122
23.228
24.157

C
C
C
C
C
C
C
C
C
C
C

10.851
11.068
11.289
11.515
11.745
11.980
12.220
12.464
12.713
12.968
13.227

C
C
C
C
C
C
C
C
C
C
C

4.787
5.122
5.219
5.818
6.455
7.130
7.845
8.604
9.408
10.260
10.930

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%

C
C
C
C
C
C
C
C
C
C
C

108
115
117
131
145
160
177
194
212
231
246

C
C
C
C
C
C
C
C
C
C
C

-

C

2.291

2014

36

12

2%

2%

C 25.123

C

25.123

C

25.123

C

25.123

C

13.492

C

11,632

2,15%

C

250

E

46

C

2015
2016
2017
2018
2019

37
38
39
40
41

13
14
15
16
17

2%
2%
2%
2%
2%

2%
2%
2%
2%
2%

C
C
C
C
C

26.128
27.173
28.260
29.391
30,566

C
C
C
C
C

26.128
27.173
28.260
29.391
30.566

C
C
C
C
C

100.000
102.000
104.040
106.121
108.243

C
C
C
C
C

26.128
27.173
28.260
29.391
30.566

C
C
C
C
C

13.761 C
14.037 C
14.317 C
14.604 C
14.896 C

12.367
13.137
13.943
14.787
15.671

1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C

216
230
244
259
274

C
C
C
C
C

52
57
63
69
76

C
C
C
C
C

2020

42

18

2%

2%

C 31.789

C

31.789

C

110.408

C

31.789

C

15.194

C

16.595

1,75%

C

290

C

89

2021
2022
2023
2024
2025
2026
2027

43
44
45
46
47
48
49

19
20
21
22
23
24
25

2%
2%
1%
1%
1%
1%
1%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C

33.061
34.383
35.415
36.477
37.571
38.698
39.859

C
C
C
C
C
C
C

33.061
34.383
35.415
36.477
37.571
38.698
39.859

C
C
C
C
C
C
C

112.616
114.869
117.166
119.509
121.899
124.337
126.824

C
C
C
C
C
C
C

33.061
34.383
35.415
36.477
37.571
38.698
39.859

C
C
C
C
C
C
C

15.498
15.807
16.124
16.446
16.775
17.111
17.453

C
C
C
C
C
C
C

17.563
18.576
19.291
20.031
20.796
21.588
22.407

1,75%
1,75%
1,75%
1,75%
1,75%
1,75°A
1,75%

C
C
C
C
C
C
C

307
325
338
351
364
378
392

C
C
C
C
C
C
C

96
104
113
122
131
141
152

C

2028

8.774

50

26

1%

2%

C 41.055

C

41.055

C

129.361

C

41.055

C

17.802

C

23.253

1,750/0

C

407

C

175

C

9.356

2029
2030
2031
2032
2033
2034
2035

51
52
53
54
55
56
57

27
28
29
30
31
32
33

1%
1%
1%
1%
0%
0%
0%

C

2%
2%
20k
2%
2%
2%
20/0

C
C
C
C
C
C
C

12.461 C 21.818

C

42.287
43.555
44.862
46.208
47.132
48.075
49.036

C
C
C
C
C
C
C

60.106

42.287
43.555
44.862
46.208
47.132
48.075
49.036

C
C
C
C
C
C
C

131.948
134.587
137.279
140.024
142.825
145.681
148.595

C
C
C
C
C
C
C

42.287
43.555
44.862
46.208
47.132
48.075
49.036

C
C
C
C
C
C
C

18.158 C
18.521 C
18.891 C
19.269 C
19.655 C
20.048 C
20.449 C

24.129
25.034
25,971
26.939
27.477
28.027
28.588

1,75%
1,75%
1,75%
1,750/0
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

422
438
454
471
481
490
500

C
C
C
C
C
C
C

187
199
212
225
239
254
269

2036

C
C
C
C
C
C
C

9.966
10.603
11.270
11.967
12.687
13.431
14.200

58

34

0%

2%

C
C
C
C
C
C
C

C 50.017

C

12.710
12.965
13.224
13.488
13.758
14.033
14.314

C 22.676
C 23.568
C 24.494
C 25.455
C 26.445
C 27.464
C 28.514

C
C
C
C
C
C
C

60.696
61.291
61.892
62.498
62.498
62.498
62.498

50.017

C

151.567

C

50.017

C

20.858

C

29.159

1,75%

C

510

E

307

2037
2038
2039
2040
2041
2042
2043
2044

C 16.183

59
60
61
62
63
64
65
66

35
36
37
38
39
40
41
42

0%
0%
0%
0%
0%
D%
0%
0%

C

14.600

2%
2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C
C

C 30.784

C

62.498

51.017
52.038
53.078
54.140
55.223
56.327
57.454
58.603

C
C
C
C
C
C
C
C

51.017
52.038
53.078
54.140
55.223
56.327
57.454
58.603

C
C
C
C
C
C
C
C

154.598
157.690
160.844
164.061
167.342
170.689
174.102
177.584

C
C
C
C
C
C
C
C

C
C
C
E
C
C
C
C

21.275
21.700
22.134
22.577
23,029
23.489
23.959
24.438

C
C
C
C
C
C
C
C

29.743
30.337
30.944
31.563
32.194
32.838
33.495
34.165

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C

520
531
542
552
563
575
586
598

C
C
C
C
C
C
C
C

324
341
358
376
395
414
433
454

2045

67

C 17.027
C 17.899
C 18.798
C 19.727
C 20.685
C 21.673
C 22.693
C 23.744

43

0%

51.017
52.038
53,078
54.140
55.223
56.327
57.454
58.603

C 25.781

2%

E
C
C
C
C
C
C
C

C 59.775

C

14.892 C 31.920
15.190 C 33.089
15.494 C 34.292
15.804 C 35.531
16.120 C 36.805
16.442 C 38,115
16.771 C 39.464
17.107 C 40.851

C
C
C
C
C
C
C
C

62.498
62.498
62.498
62.498
62.498
62.498
62.498
62.498

59.775

C

181.136

C

59.775

C

24.927

C

34.848

1,75%

E

610

C

516

C 26.906

C

68
69
70
70,25

44
45
45,25

0%
0%
0%

17.449

E 44.355

2%
2%
2%

C 60.970
C 62.190
C 63.434

C

C
C
C

60.970
62.190
15.858

62.498

C
C
C

184.759
188.454
48.056

C
C
C

60.970
62.190
15.858

C
C
C

25.425
25.934
6.613

C
C
C

35.545
36.256
9.245

1,75%
1,75%
1,75%

C
C
C

622
634
162

C
C
C

538
561
585

C 28.066
C 29.262
C 30.009

C
C
C
C

17.798
18.154
18.517
18.517

C 45.864
C 47.416
C 48.526
C 46.729

C
C
C

62.498
62.498
15.858

2046
2047
2048
1-4-2048

2
5
7
10
13
16
20
24
29 ,
34

C
108
C
225
C
347
C
485
C
640
C
813
C 1.006
C 1.220
C 1.456
C 1.716
C 1.996

C
C
C
E
C
C
C
C
C
C
C

7.596
7.747
7.902
8.060
8.222
8.386
8.554
8.725
8.899
9.077
9.259

C 7.703
C 7.973
C 8.249
C 8.545
C 8.861
C 9.199
C 9.560
C 9.944
C 10.355
C 10.793
C 11.255

2.587

C

9.444

2.855
3.142
3.449
3.777
4.127

4.439

C
C
C
C
C

9.633
9.826
10.022
10.223
10.427

C 4.818

C

C 5.222
C 5.652
C 6.102
C 6.575
C 7.070
C 7.589
C 8.133

C
C
C
C
C
C
C

C

C 15.366

C 28.213

C
C
C
C
C
C
C
C
C
C
C

37.560
38.124
38.110
39.231
40.385
41.573
42.796
44.054
45.350
46.684
47.599

C 12.031

C

48.533

C 12.488
C 12.968
C 13.471
C 13.999
C 14.866

C
C
C
C
C

49.484
50.455
51.444
52.453
53.481

10.636

C 15.454

C

54.530

10.848
11.065
11.287
11.512
11.743
11.977
12.217

C 16.070
C 16.717
C 17.389
C 18.087
C 18.813
C 19.567
C 20.350

C
C
C
C
C
C
C

55.599
56.689
57.245
57.806
58.373
58.945
59.523

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1978 - 2 x modaal

1-1-1978
70,25 (1-4-2048)
71
(1-1-2049)
70,25

(1-4-2048)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum pensioenpensioengevend
gevend
loon
loon

AOW
franchise

pensioen opbouw
grondslag percentag
e
ML

OP

indexatie
opgebouw
d
OP

AOW
Totaal
uitkering 0P+AOW

0P65

2003
25
2004
26
2005
27
2006
28
2007
29
2008
30
2009
31
2010
32
2011
33
2012
34
2013
35
2014
36
2015
37
2016
38
2017
39
2018
40
2019
41
2020
42
2021
43
2022
44
2023
45
2024
46
2025
47
2026
48
2027
49
2028
50
2029
51
2030
52
2031
53
2032
54
2033
55
2034
56
2035
57
2036
58
2037
59
2038
60
2039
61
2040
62
2041
63
2042
64
2043
65
2044
66
2045
67
2046
68
2047
69
2048
70
1-4-2048 70,25

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
45,25

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
0%
0%
0%
0%
0%
0%
0%
0%
0°/0
0%
0%
0%
0%
094
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
294
2%
2%
2%
2%
2%

C 29.946
C 31.443
C 33.015
C 34.666
C 36.399
C 38.219
C 40.130
C 42.137
C 44.244
C 46.456
C 48.314
C 50.247
C 52.257
C 54.347
C 56.521
C 58.782
C 61.133
C 63.578
C 66.121
C 68.766
C 70.829
C 72.954
C 75.143
C 77.397
C 79.719
C 82.110
C 84.574
C 87.111
C 89.724
C 92.416
C 94.264
C 96.150
€ 98.073
C 100.034
C 102.035
C 104.075
C 106.157
C 108.280
C 110.446
€112.655
€114.908
C 117.206
C 119.550
€ 121.941
€ 124.380
€ 126.867

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
€
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
€
€
C
C
C
C
C
C

29.946
31.443
33.015
34.666
36.399
38.219
40.130
42.137
44.244
46.456
48.314
50.247
52.257
54.347
56.521
58.782
61.133
63.578
66.121
68.766
70.829
72.954
75.143
77.397
79.719
82.110
84.574
87.111
89.724
92.416
94.264
96.150
98.073
100.034
102.035
104.075
106.157
108.280
110.446
112.655
114.908
117.206
119.550
121.941
124.380
31.717

c 29.946

c 31.443

33.015
34.666
c 36.399
38.219
c 40.130
42.137
44,244
c 46.456
c 48.314
c 50.247
C 100.000
C 102.000
C 104.040
C 106.121
C 108.243
C 110.408
C 112.616
C 114.869
€117.166
€119.509
€121.899
€124.337
C 126.824
C 129.361
€131.948
C 134.587
€137.279
C 140.024
€ 142.825
C 145.681
C 148.595
C 151.567
C 154.598
C 157.690
C 160,844
C 164.061
C 167.342
C 170.689
C 174.102
C 177.584
C 181.136
C 184.759
C 188.454
C 48.056

c
c

29.946
31.443
33.015
34.666
36.399
38.219
40.130
42.137
44.244
46.456
48.314
50.247
52.257
54.347
56.521
58.782
61.133
63.578
66.121
68.766
70.829
72.954
75.143
77.397
79.719
82.110
84.574
87.111
89.724
92.416
94.264
96.150
98.073
100.034
102.035
104.075
106.157
108.280
110.446
112.655
114.908
117.206
119.550
121.941
124.380
31.717

10.851
11.068
11.289
11.515
11.745
11.980
12.220
12.464
12.713
12.968
13.227
13.492
13.761
14.037
14.317
14.604
14.896
15.194
15.498
15.807
16.124
16.446
16.775
17.111
17.453
17.802
18.158
18.521
18.891
19.269
19.655
20.048
20.449
20.858
21.275
21.700
22.134
22.577
23.029
23.489
23.959
24.438
24.927
25.425
25.934
6.613

19.095
20.375
21.726
23.151
24.654
26.239
27.911
29.673
31.530
33.488
35.087
36.755
38.495
40.310
42.203
44.178
46.237
48.384
50.624
52.959
54.705
56.508
58.368
60.286
62.266
64.309
66.416
68.590
70.833
73.147
74.610
76.102
77.624
79.176
80.760
82.375
84.023
85.703
87.417
89.165
90.949
92.768
94.623
96.516
98.446
25.104

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75°4
1,75%
1,75%
1,75%
1,75%

C
C
C
C
€
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
€
€
C
C
C
C
C
C
C
C

430 C
458 C
489 C
521 C
555 C
590 C
628 C
668 C
709 C
753 C
789 €
790 €
674 C
705 C
739 C
773 C
809 C
847 C
886 C
927 C
957 C
989 C
1.021 C
1.055 C
1.090 C
1.125 C
1.162 C
1.200 €
1.240 C
1.280 C
1.306 C
1.332 C
1.358 €
1.386 C
1.413 C
1.442 C
1.470 C
1.500 C
1.530 C
1.560 C
1.592 C
1.623 C
1.656 C
1.689 C
1.723 C
439 C

9
18
28
39
51
64
78
92
109
126
165
185
202
220
239
259
302
325
349
375
401
429
458
488
561
594
630
666
704
744
785
827
943
989
1.037
1.087
1.138
1.191
1.245
1.301
1.359
1.540
1.604
1.670
1.738

c
c
c

430
897
1.403
1.952
2.546
3.188
3.879
4.624
5.426
6.288
7.204

0P67

c
c

8.270
9.225
10.083
10.991
11.949
12.961
14.029

0P68

0P69

0P70

0P71

0P70,25

7.596
7.747
c 7.902
8.060
8.222
c 8.386
8.554
8.725
c 8.899
9.077
9.259
9.444
9.633
9.826
c 10.022
10.223
10.427
10.636
10.848
c 11.065
c 11.287
11.512
11.743
11.977
12.217
12.461
c 12.710
12.965
13.224
13.488
c 13.758
14.033
14.314
14.600
14.892
15.190
c 15.494
C 15.804
C 16.120
C 16.442
C 16.771
C 17.107
C 17.449
C 17.798
C 18.154
C 18.517
C 18.517

c

15.092

c 16.240

c
c

c
c
c

17.451
18.727
20.059
21.449
22.899
24.412
25.990

c
c

c 28.038

c 29.724

c 31.480
33.310

c 35.216
c 37.201
c 39.250

c 41.367

43.553

c

c

c
c

c

c

47.129
49.457
51.859
54.338
56.895
59.533
62.253
65.059
67.952
70.934

€ 77.017

c 80.213
€

gemiddeld
loon
met
indexatie
tot
AOW

83.507
86.900
89.077
C

83,744

8.025
8.644
9,306
10.013
10.768
11.574
12.433
13.349
14.326
15.366
16.463
18.669
19.716
20,816
21.971
23.184
25.519
26.876
28.299
29.792
31.345
32.961
34.642
36.390
38.207
42.185
44.191
46.275
48.440
50.689
53,008
55.400
57.867
64.057
66.752
69.528
72.389
75.337
78.373
81.501
84.723
88.041
97.662
101.304
105.053
107.594
102.261

71.928
74.043
76.221
78.463
80.770
83.146
85.591
88.109
90.700
93.368
95.199
97.065
98.968
100.909
102.888
104.905
106.962
109.059
111.198
113.378
114.490
115.612
116.745
117.890
119.046
120.213
121.392
122.582
123.783
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
124.997
31.717

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1978 - 3 x modaal

1-1-1978
70,25 (1-4-2048)
71
(1-1-2049)
70,25
(1-4-2048)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum pensioenAOW
pensioen opbouw
(tijdspensioengevend
franchis grondslag percentag
evenredig
gevend
loon
e
e
loon
ML

OP

indexatie
opgebouw
d
OP

AOW
Totaal
uitkering 0P+AOW

0P65

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2021
2022
2023
2024
2025
2026
2027

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49

2028

1
2
3
4
5
6
7

11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

44.919
47.165
49.523
51.999
54.599
57.329
60.196
63.205
66.366
69.684
72.471
C 75.370
C 78.385
C 81.520
C 84.781
C 88.172
C 91.699
C 95.367
C 99.182
C 103.149
C 106.244
C 109.431
C 112.714
C 116.095
C 119.578

50

26

1%

2%

2029
2030
2031
2032
2033
2034
2035

51
52
53
54
55
56
57

27
28
29
30
31
32
33

1%
1%
1%
1%
0%
0%
0%

2036

58

34

2037
2038
2039
2040
2041
2042
2043
2044

59
60
61
62
63
64
65
66

2045

2020

2046
2047
2048
1-4-2048

C
C
C
C
C
C
C
C
C
C
C

c 44.919 C 44.919 C 44.919 C 10.851 c 34.068
36.097
38.234
40.484
42.854
45.349
47.976
50.741
53.652
56.716
59.244
61.879
64.624
67.484
70.464
73.569
76.804
c 80.174
83.684
C 87.342
C 90.120
C 92.985
C 95.939
C 98.985
C 102.125

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
767
C
812
C
860
C
911
C
964
C 1.020
C 1.079
C 1.142
C 1.207
C 1.276
C 1.333
C 1.330
C 1.131
C 1.181
C 1.233
C 1.287
C 1.344
C 1.403
C 1.464
C 1.528
C 1.577
C 1.627
C 1.679
C 1.732
C 1.787

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

15
32
50
69
90
112
136
161
189
218
286
318
347
378
410
444
516
554
594
637
681
727
776
826

C 17.802

C 105.364

1,75%

C 1.844

C

947

C 18.158
C 18.521
C 18.891
C 19.269
C 19.655
C 20.048
C 20.449

C 108.703
C 112.145
C 115.695
C 119.355
C 121.742
C 124.177
C 126.660

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

C
C
C
C
C
C
C

C 150.051 C 150.051 C 151.567

C 150.051 C 20,858

C 129.193

1,75%

2%
2%
2%
2%
2%
2%
2%
2%

C 153.052
C 156.113
C 159.235
C 162.420
C 165.668
C 168.982
C 172.361
C 175.809

C 153.052
C 156.113
C 159.235
C 162.420
C 165.668
C 168.982
C 172.361
C 175.809

C 154.598
C 157.690
C 160.844
C 164.061
C 167.342
C 170.689
C 174.102
C 177.584

C 153.052
C 156.113
C 159.235
C 162.420
C 165.668
C 168.982
C 172.361
C 175.809

C 21.275
C 21.700
C 22.134
C 22.577
C 23.029
C 23.489
C 23.959
C 24.438

C 131.777
C 134.413
C 137.101
C 139.843
C 142.640
C 145.493
C 148.403
C 151.371

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

0%

2%

C 179.325

C 179.325

C 181.136

C 179.325

C 24.927

C 154.398

0%
0%
0%

2%
2%
2%

C 182.911 C 182.911 C 184.759
C 186.570 C 186.570 C 188.454
C 190.301 C 47.575 C 48.056

C 182.911 C 25.425
C 186.570 C 25.934
C 47.575 C 6.613

C 157.486
C 160.636
C 40.962

47.165
49.523
51.999
54.599
57.329
60.196
63.205
66.366
69.684
72.471
75.370
c 78.385
81.520
84.781
88.172
91.699
c 95.367
99.182
C 103.149
C 106.244
C 109.431
C 112.714
C 116.095
C 119.578

C 47.165
C 49.523
C 51.999
C 54.599
C 57.329
C 60.196
C 63.205
C 66.366
C 69.684
C 72.471
C 75.370
C 100.000
C 102.000
C 104.040
C 106.121
C 108.243
C 110.408
C 112.616
C 114.869
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

C 47.165
C 49.523
C 51.999
C 54.599
C 57.329
C 60.196
C 63.205
C 66.366
C 69.684
C 72.471
C 75.370
C 78.385
C 81.520
C 84.781
C 88.172
C 91.699
C 95.367
C 99.182
C 103.149
C 106.244
C 109.431
C 112.714
C 116.095
C 119.578

C 11.068
C 11.289
C 11.515
C 11.745
C 11.980
C 12.220
C 12.464
C 12.713
C 12.968
C 13.227
C 13.492
C 13.761
C 14.037
C 14.317
C 14.604
C 14.896
C 15.194
C 15.498
C 15.807
C 16.124
C 16.446
C 16.775
C 17.111
C 17.453

C 123.166

C 123.166

C 129.361 C 123.166

2%
2%
2%
2%
2%
2%
2%

C 126.861
C 130.666
C 134.586
C 138.624
C 141.396
C 144.224
C 147.109

C 126.861
C 130.666
C 134.586
C 138.624
C 141.396
C 144.224
C 147.109

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595

0%

2%

35
36
37
38
39
40
41
42

0%
0%
0%
0%
0%
0%
0%
0%

67

43

68
69
70
70,25

44
45
45,25

a
9

lo

c

c
c

c

C 126.861
C 130.666
C 134.586
C 138.624
C 141.396
C 144.224
C 147.109

c

c
c
c
c

c

c
c
c

0P67

C
767
C 1.594
C 2.486
C 3.447
C 4.480
C 5.590
C 6.781
C 8.058
C 9.427
C 10.891
C 12.442 C 14.284
C 15.900
C 17.349
C 18.876
C 20.487
C 22.184
C 23.972

0P68

0P69

01)70

0P71

gemiddeld
loon
met
indexatie
tot
AOW

0P70,25

C 47.355

C 7.596
C 7.747
C 7.902
C 8.060
C 8.222
C 8.386
C 8.554
C 8.725
C 8.899
C 9.077
C 9.259
C 9.444
C 9.633
C 9.826
C 10.022
C 10.223
C 10.427
C 10.636
C 10.848
C 11.065
C 11.287
C 11.512
C 11.743
C 11.977
C 12.217

8.362
9.341
10.389
11.507
12.702
13.976
15.335
16.783
18.326
19.969
21.701
25.344
26.981
28.702
30.509
32.407
36.215
38.342
40.573
42.913
45.348
47.883
50.519
53.262
56.114

107.891
111.065
114.331
117.694
121.155
124.719
128.387
132.163
136.050
140.052
142.798
145.598
148.453
151.364
154.331
157.358
160.443
163.589
166.797
170.067
171.734
173.418
175.118
176.835
178.569

C 50.146

C 12.461 C 62.608

180.319

1.003
1.061
1.122
1.184
1.250
1.317
1.387

C 53.052
C 56.075
C 59.221
C 62.494
C 65.875
C 69.365
C 72.969 C

78.960

C 12.710
C 12.965
C 13.224
C 13.488
C 13.758
C 14.033
C 14.314

C 65.762
C 69.040
C 72.445
C 75.983
C 79.633
C 83.399
C 87.283

182.087
183.872
185.675
187.495
187.495
187.495
187.495

C 2.261 C

1.579

C

82.801

C
C
C
C
C
C
C
C

1.902
1.963
2.025
2.089
2.130
2.173
2.217

C25.787

C 27.706
C 29.725
C 31.848
C 34.062
C 36.370
C 38.777
C 41.284
C 43.897

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

C 14.600

C 97.401

187.495

C 14.892
C 15.190
C 15.494
C 15.804
C 16.120
C 16,442
C 16.771
C 17.107

C 101.655
C 106.040
C 110.560
C 115.219
C 120.019
C 124.966
C 130.062
C 135.313

187.495
187.495
187.495
187.495
187.495
187.495
187.495
187.495

C 133.612

C 17.449

C 151.060

187.495

C 139.040
C 144.632
C 148.241

C 17.798
C 18.154
C 18.517
C 18.517

C 156.838
C 162.786
C 166.758
C 157.883

187.495
187.495
47.575

2.306
2.352
2.399
2.447
2.496
2.546
2.597
2.649

C
C
C
C
C
C
C
C

1.656
1.735
1.817
1.901
1.988
2.078
2.170
2.266

C 86.763
C 90.850
C 95.066
C 99.415
C 103.899
C 108.524
C 113.291
C 118.206 C 128.343

1,75%

C 2.702

C

2.567

1,75%
1,75%
1,75%

C 2.756 C
C 2.811 C
C
717 C

2.672
2.781
2.893

C 139.367

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1978 - 4 x modaal

1-1-1978
70,25 (1-4-2048)
71
(1-1-2049)
70,25
(1-4-2048)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
maximum pensioenAOW
pensioen
opbouw
(tijdspensioengevend franchise grondslag percentag
evenredig gevend
loon
e
loon
ML

OP

indexatie
opgebouw
d
OP

Cumulatie
OP

0P65

2003
25
2004
26
2005
27
2006
28
2007
29
2008
30
2009
31
2010
32
2011
33
2012
34
35
2013
2014
36
2015
37
2016
38
2017
39
2018
40
2019
41
2020
42
2021
43
2022
44
2023
45
2024
46
2025
47
2026
48
2027
49
2028
50
2029
51
2030
52
2031
53
2032
54
2033
55
2034
56
2035
57
2036
58
2037
59
2038
60
2039
61
2040
62
2041
63
2042
64
2043
65
2044
66
2045
67
2046
68
2047
69
2048
70
1-4-2048 70,25

1
2
3
4
5
6
7
13
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
45,25

3%
3%
3%
3%
3%
3%
3%
3%
3%
3%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
1%
1%
1%
1%
1°h
1%
1%
1%
1%
1%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2°h
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

C 59.892 C 59.892
59.892
59.892
C 62.886 C 62.886
62.886
62.886
C 66.031 C 66.031
66.031
66.031
C 69.332 C 69.332
69.332
69.332
C 72.799 C 72.799
72.799
72.799
C 76.439 C 76.439
76.439
76.439
C 80.261 C 80.261
80.261
80.261
C 84.274 C 84.274
84.274
84.274
C 88.487 C 88.487
88.487
88.487
C 92.912 C 92.912
92.912
92.912
C 96.628 C 96.628
96.628
96.628
C 100.493 C 100.493 C 100.493 C 100.493
C 104.513 C 104.513 C 100.000 C 100.000
C 108.694 C 108.694 C 102.000 C 102.000
C 113.041 C 113.041 C 104.040 C 104.040
C 117.563 C 117.563 C 106.121 C 106.121
C 122.266 C 122.266 C 108.243 C 108.243
C 127.156 C 127.156 C 110.408 C 110.408
C 132.243 C 132.243 C 112.616 C 112.616
C 137.532 C 137.532 C 114.869 C 114.869
€141.658 C 141.658 C 117.166 C 117.166
C145.908 C 145.908 C 119.509 C 119.509
C 150.285 C 150.285 C 121.899 C 121.899
C 154.794 C 154.794 C 124.337 C 124.337
C 159.438 C 159.438 C 126.824 C 126.824
C 164.221 C 164.221 C 129.361 C 129.361
C 169.147 C 169.147 C 131.948 C 131.948
C 174.222 C 174.222 C 134.587 C 134.587
C 179.448 C 179.448 C 137.279 C 137.279
C 184.832 C 184.832 C 140.024 C 140.024
C 188.529 C 188.529 C 142.825 C 142.825
C 192.299 C 192.299 C 145.681 C 145.681
C 196.145 C 196.145 C 148.595 C 148.595
C 200.068 C 200.068 C 151.567 C 151.567
C 204.069 C 204.069 C 154.598 C 154.598
C 208.151 C 208.151 C 157.690 C 157.690
C 212.314 C 212.314 C 160.844 C 160.844
C 216.560 C 216.560 C 164.061 C 164.061
C 220.891 C 220.891 C 167.342 C 167.342
C 225.309 C 225.309 C 170.689 C 170.689
C 229.815 C 229.815 C 174.102 C 174.102
C 234.411 C 234.411 C 177.584 C 177.584
C 239.100 C 239.100 C 181.136 C 181.136
C 243.882 C 243.882 C 184.759 C 184.759
C 248.759 C 248.759 C 188.454 C 188.454
C 253.735 C 63.434 C 48.056 C 48.056

10.851
49.041
11.068
51.819
11.289
54.742
11.515
57.817
11.745
61.054
11.980
64.459
12.220
68.041
12.464
71.810
12.713
75.774
12.968
79.944
13.227
83.401
13.492
87.002
13.761
86.239
14.037
87.963
14.317
89.723
14.604 C 91.517
14.896 C 93.347
15.194 C 95.214
15.498
97.119
15.807 C 99.061
16.124 C 101.042
16.446 C 103.063
16.775 C 105.124
17.111 C 107.227
17.453 C 109.371
17.802 C 111.559
18.158 C 113.790
18.521 C 116.066
18.891 C 118.387
19.269 C 120.755
19.655 C 123.170
20.048 C 125.633
20.449 C 128.146
20.858 C 130.709
21.275 C 133.323
21.700 C 135.990
22.134 C 138.709
22.577 C 141.484
23.029 C 144.313
23.489 C 147.200
23.959 C 150.144
24.438 C 153.146
24.927 C 156.209
25.425 C 159.334
25.934 C 162.520
6.613 C 41.443

2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,25%
2,15%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C 1.103 C
C 1.166 C
C 1.232 C
C 1.301 C
C 1.374 C
C 1.450 C
C 1.531 C
C 1.616 C
C 1.705 C
C 1.799 C
C 1.877 C
C 1.871 C
C 1.509 C
C 1.539 C
C 1.570 C
C 1.602 C
C 1.634 C
C 1.666 C
C 1.700 C
C 1.734 C
C 1.768 C
C 1.804 C
C 1.840 C
C 1.876 C
C 1.914 C
C 1.952 C
C 1.991 C
C 2.031 C
C 2.072 C
C 2.113 C
C 2.155 C
C 2.199 C
C 2.243 C
C 2.287 C
C 2.333 C
C 2.380 C
C 2.427 C
C 2.476 C
C 2.525 C
C 2.576 C
C 2.628 C
C 2.680 C
C 2.734 C
C 2.788 C
C 2.844 C
C 725 C

22
46
71
99
128
160
194
230
269
310
406
451
491
531
573
617
712
760
809
860
912
966
1.023
1.081
1.230
1.294
1.360
1.427
1.497
1.570
1.644
1.721
1.948
2.033
2.120
2.210
2.303
2.398
2.497
2.598
2.703
3.052
3.167
3.286
3.409

AOW
Totaal
uitkering 0P+AOW

0P67

1.103
2.291
3.569
4.941
6.414
7.992
9.683
11.492
13.427
15.495
17.681 C 20.297
C 22.574
C 24.535
C 26.565
C 28.666
C 30.841
C 33.091

0P68

35.597
37.976
40.435
42.977
45.605
48.320
51.127
54.026
57.020

0P69

01370

0P71

61.512
64.694
67.979
71.370
74.869
78.480
82.205
86.048
90.011 E 97.402
C 101.637
C 106.003
C 110.503
C 115.140
C 119.919
C 124.843
C 129.916
C 135.142
C 140.525 C 152.576
C 158.361
C 164.316
C 170.447
C 174.581

gemiddeld
loon
met
indexatie
tot
AOW

01)70,25

7.596 C
8.699
7.747 C 10.039
7.902 C 11.471
8.060 C 13.002
8.222 C 14.635
8.386 C 16.378
8.554 C 18.237
8.725 C 20.217
8.899 C 22.327
9.077 C 24.572
9.259 C 26.940
9.444 C 32.018
9.633 C 34.168
9.826 C 36.390
10.022 C 38.688
10.223 C 41.064
10.427 C 46.024
10.636 C 48.611
10.848 C 51.283
11.065 C 54.042
11.287 C 56.891
11.512 C 59.833
11.743 C 62.869
11.977 C 66.003
12.217 C 69.237
12.461 C 77.156
12.710 C 80.690
12.965 C 84.335
13.224 C 88.093
13.488 C 91.968
13.758 C 95.963
14.033 C 100.081
14.314 C 104.325
14.600 C 116.238
14.892 C 120.895
15.190 C 125.693
15.494 C 130.634
15.804 C 135.723
16.120 C 140.963
16.442 C 146.358
16.771 C 151.913
17.107 C 157.631
17.449 C 175.810
17.798 C 182.114
18.154 C 188.600
18.517 C 193.098
18.517 C 182.646

143.855
148.086
152.442
156.925
161.541
166.292
171.183
176.217
181.400
186.736
190.397
194.130
197.937
201.818
205.775
209.810
213.924
218.119
222.395
226.756
228.979
231.224
233.491
235.780
238.092
240.426
242.783
245.163
247.567
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
249.994
63.434

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

leeftijd dienstjaren

wn 1988 - 1 x modaal

1-1-1988
71,5
(1-7-2059)
71
(1-1-2059)
71,5
(1-7-2059)

carriere inflatie
loon
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum
pensioengevend
loon

pensioengevend
loon

AOW
pensioen
franchise grondslag

opbouw
percentag
e
ML

OP

indexatie
opgebouw
d
OP

Cumulat
ief
OP

OP67
2013

25

1

3%

2%

C

18.748

C

18.748

18.748

C

18.748

C

26

2

3%

C

2014

2%

C 19.165

C

19.165

C

19.165

C

19.165

C

2015
2016
2017
2018
2019

27
28
29
30
31

3%
3%
3%
3%
3%

2%
2%
2%
2%
2%

C
C
C
C
C

20.123
21.129
22.185
23.295
24.459

C
C
C
C
C

100.000
102.000
104.040
106.121
108.243

C
C
C
C
C

20.123
21.129
22.185
23.295
24.459

32

394)

2%

25.682

C

25.682

C

110.408

C

2021
2022
2023
2024
2025
2026
2027

33
34
35
36
37
38
39

3%
3%
2%
2%
2%
2%
2%

2%
2%
2%
2%
2%
2%
2%

16

2%

2%

2029
2030
2031
2032
2033
2034
2035

41
42
43
44
45
46
47

17
18
19
20
21
22
23

2%
2%
2%
2%
1%
1%
1%

2%
2%
2%
2%
2%
2%
2%

2036

48

24

1%

2%

C 47.173

C

47.173

2037
2038
2039
2040
2041
2042
2043
2044

49
50
51
52
53
54
55
56

25
26
27
28
29
30
31
32

1%
1%
1%
1%
1%
1%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%

C 48.588
C 50.046
C 51.547
C 53.094
C 54.687
C 56.327
C 57.454
C 58,603

C
C
C
C
C
C
C
C

48.588
50.046
51.547
53.094
54.687
56.327
57.454
58.603

2045

57

33

0%

2%

C 59.775

C

59.775

34
35
36
37
38
39
40
41
42
43
44
45
46
46,5

0%

2°/0
2%
2°/0
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C
C
C
C
C
C
C
C

C
C
C
C
C
C
C
C
C
C
C
C
C
C

60.970
62.190
63.434
64.702
65.996
67.316
68.663
70.036
71.437
72.865
74.323
75.809
77.325
39.436

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

112.616
114.869
117.166
119.509
121.899
124.337
126.824

40

C
C
C
C
C
C
C
35.827 C
37.260 C
38.751 C
40.301 C
41.913 C
43.170 C
44.465 C
45.799 C

26.966
28.315
29.447
30.625
31.850
33.124
34.449

2028

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

20.123
21.129
22.185
23.295
24.459

2020

3
4
5
6
7
8
9
10
11
12
13
14
15

2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
1-7-2059

58
59
60
61
62
63
64
65
66
67
68
69
70
71
71,5

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

26.966
28.315
29.447
30.625
31.850
33.124
34.449

60.970
62.190
63.434
64.702
65.996
67.316
68.663
70.036
71.437
72.865
74.323
75.809
77.325
78.872

35.827
37.260
38.751
40.301
41.913
43.170
44.465
45.799

13.227

13.492

AOW
Totaal gemiddel
uitkering 0P+AOW
d
loon
met
indexatie
tot

OP68

OP69

0P70

0P71

OP71,5

5.521

2,25%

C

124

C

C

124

C

5.673

2,15%

C

122

C

2

C

249

C 9.444

C
C
C
C
C

C
C
13.761 C
14.037 C
14.317 C
14.604 C
14.896 C

6.361
7.092
7.868
8.691
9.564

1,75%
1,75%
1,75%
1,75%
1,75%

111
124
138
152
167

C
C
C
C
C

365
496
644
809
993

C 9.633
C 9.826
C 10.022
C 10.223
C 10.427

C

15.194

C

10.489

1,75%

184

C

C
C
C
C
C
C
C

26.966
28.315
29.447
30.625
31.850
33.124
34.449

C
C
C
C
C
C
C

15.498
15.807
16.124
16.446
16.775
17.111
17.453

C
C
C
C
C
C
C

11,469
12.507
13.324
14.179
15.075
16.014
16.996

1,75%
1,75%
1,75%
1,75%
1,750/0
1,75%
1,75%

201
219
233
248
264
280
297

C
C
C
C
C
C
C

5
7
10
13
16
21
25
30
35
40
46
52
59

C
C
C
C
C

25.682

C
C
C
C
C
C
C
C
C
C
C
C
C

129.361 C

35.827

C

17.802

C

18.025

1,75%

C

315

C

71

c 3.950

131.948
134.587
137.279
140.024
142.825
145.681
148.595

C
C
C
C
C
C
C

37.260
38.751
40.301
41.913
43.170
44.465
45.799

18.158
18.521
18.891
19.269
19,655
20.048
20.449

C
C
C
C
C
C
C

19.102
20.230
21.409
22,644
23.516
24.418
25.351

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

E
C
C
C
C
C
C

334
354
375
396
412
427
444

C
C
C
C
C
C
C

79
87
96
106
116
126
137

4.363
4.804
5.275
5.777
6.304
6.857
7.438

151,567

C

47.173

20.858

C

26.316

1,75%

C

461 C

161

C 8.670

154.598
157.690
160.844
164.061
167.342
170.689
174.102
177.584

C
C
C
C
C
C
C
C

48.588
50.046
51.547
53.094
54.687
56.327
57.454
58.603

C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C

21.275
21.700
22.134
22.577
23.029
23.489
23.959
24.438

C
C
C
C
C
C
C
C

27.314
28.346
29.413
30.517
31.658
32.838
33.495
34.165

1,75%
1,75%
1,75°/0
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C

478
496
515
534
554
575
586
598

C
C
C
C
C
C
C
C

173
186
200
214
229
245
261
278

C 9.322
C 10.004
C 10.719
C 11.468
C 12.251
C 13.071
C 13.918
C 14.794

181.136

C

59.775

C

24.927

C

34.848

1,75%

C

610

C

321

184.759
188.454
192.223
196.068
199.989
203.989
208.069
212.230
216.474
220.804
225.220
229.724
234.319
119.503

C
C
C
C
C
C
C
C
C
C
C
C
C
C

60.970
62.190
63.434
64.702
65.996
67.316
68.663
70.036
71.437
72.865
74.323
75.809
77.325
39.436

C
C
C
C
C
C
C
C
C
C
C
C
C
C

25.425
25.934
26.453
26.982
27.521
28.072
28.633
29.206
29.790
30.386
30.993
31.613
32.245
16.445

C
C
C
C
C
C
C
C
C
C
C
C
C
C

35.545
36.256
36.981
37.721
38.475
39.245
40.030
40.830
41.647
42.480
43.329
44,196
45.080
22,991

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75°/0
1,75%
1,75%

C
C
C
C
C
C
C
C
C
C
C
C
C
C

622
634
647
660
673
687
701
715
729
743
758
773
789
402

C
C
C
C
C
C
C
C
C
C
C
C
C
C

340
359
379
400
421
443
465
488
513
537
563
589
617
645

-

c 1.068

9.259

46.160

C 9.259
C 9.444
C 9.633
C 9.826
C 10.022
C 10.223
C 11.495

47.621
49.021
50.463
51.947
53.475

46.260

c 1.273

C 10.636

C 11.908

55.048

1.499
c 1.748
c 2.016
c 2.304
c 2.614
c 2.947
3.303

C 10.848
C 11.065
C 11.287
C 11.512
C 11.743
C 11.977
C 12.217

C 12.347
C 12.813
C 13.302
C 13.816
C 14.357
C 14.924
C 15.520

56.667
58.334
59.477
60.644
61.833
63.045
64.281

C 12.461 C 16.411

65.542

C 12.710
C 12.965
C 13.224
C 13.488
C 13.758
C 14.033
C 14.314
C 14.600
C 14.892
C 15.190
C 15.494
C 15.804
C 16.120
C 16.442
C 16.771
C 17.107

C 17.074
C 17.769
C 18.499
C 19.265
C 20.062
C 20.891
C 21.752
C 23.271
C 24.214
C 25.194
C 26.213
C 27.271
C 28.371
C 29.513
C 30.689
C 31.901

66.827
68.137
69.473
70.835
71.530
72.231
72.939

16.994

C 17.449

C 34.443

78.095

c 17.956
c 18.950
c 19.976
c 21.036
c 22.130

C 17.798
C 18.154
C 18.517
C 18.887
C 19.265
C 19,650
C 20.043
C 20.444
C 20.853
C 21.270
C 21.695
C 22.129
C 22.572
C 23.023
€23.023

C 35.754
C 37.103
C 38.493
C 39.923
C 41.394
C 42.909
C 44.468
C 46.072
C 47.722
C 49.420
C 51.166
C 52.963
C 54.811
C 56.310
C 57.776

78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
78.095
39.436

3.563

c

c

C

8.049

c 16.063

23.259

c 24.425
c
c

c

c

25.628
26.869
28.150
29.471
30.834
32.239
33.287
€34.753

73.654
74.377
75.106
75.842
76.586
77.336
78.095
78.095
78.095

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

leeftijd dienstjaren

wn 1988 - 2 x modaal

1-1-1988
71,5
(1-7-2059)
71
(1-1-2059)
70,25
(1-7-2059)

carriere inflatie
loon
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum pensioenAOW
pensioen opbouw
pensioengevend
franchis grondslag percentag
gevend
loon
e
e
loon
ML

OP

indexatie
opgebouw
d
OP

AOW
Totaal
uitkering 0P+AOW

0P67
2013

25

1

3%

2%

C

36.504

C

2014

26

2

30/0

2%

C 38.329

C

2015
2016
2017
2018
2019

27
28
29
30
31

3%
3%
3%
3%
3%

2%
2%
2%
2%
2%

C 40.246
C 42.258
C 44.371
C 46.589
C 48.919

C
C
C
C
C

2020

32

3%

2%

C 51.365

C

51.365

C 110.408

2021
2022
2023
2024
2025
2026
2027

33
34
35
36
37
38
39

3
4
5
6
7
8
9
10
11
12
13
14
15

C 36.504
C 38.329
40.246 C 100.000
42.258 C 102.000
44.371 C 104.040
46.589 C 106.121
48.919 C 108.243

3%
3%
2%
2%
2%
2%
2%

2%
2%
2%
2%
2%
2%
2%

C
C
C
C
C
C
C

53.933
56.630
58.895
61.250
63.701
66.249
68.898

C
C
C
C
C
C
C

53.933
56.630
58.895
61.250
63.701
66.249
68.898

C 112.616
C 114.869
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

2028

40

16

2%

2%

C 71.654

C

71.654

2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56

17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32

2%
2%
2°/0
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
00/0
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

C 74.521
C 77.501
C 80.601
C 83.826
C 86.340
C 88.931
C 91.598
C 94.346
C 97.177
C 100.092
C 103.095
€106.188
C 109.373
C 112.655
€114.908
€117.206

C
C
C
C
C
C
C

2045

57

33

0%

2%

2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
1-7-2059

58
59
60
61
62
63
64
65
66
67
68
69
70
71
71,5

34
35
36
37
38
39
40
41
42
43
44
45
46
46,5

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

36.504

38.329

36.504

C 13.227

C

23.277

c 38.329 C 13.492 C 24.838
40.246
42.258
44.371
46.589
48.919

C 13.761
C 14.037
C 14.317
C 14.604
C 14.896

C 26.484
C 28.221
C 30.053
C 31.986
C 34.023

2,25%

C

524

C

2,15%

C

534

C

10

1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C

463
494
526
560
595

C
C
C
C
C

1,75%

C

633

C

0P68

0P69

0P70

0P71

OP71,5

524

c

gemiddeld
loon
met
indexatie
tot
AOW

1.068

9.259

9.259

89.877

c

9.444

9.444

92.520

c

9.633
9.826
10.022
10.223
10.427

9.633
9.826
10.022
10.223
14.642

95.241
98.043
100.926
103.895
106.950

10.636

15.568

110.096

11.065
11.287
11.512
11.743
11.977
12.217

16.552
17.598
18.698
19.856
21.075
22.356
23.703

113.334
116.667
118.955
121.287
123.666
126.090
128.563

c
c

53.933
56.630
58.895
61.250
63.701
66249
68.898

C 15.498
C 15.807
C16.124
C 16.446
C 16.775
C 17.111
C 17.453

C
C
C
C
C
C
C

38.435
40.822
42.771
44.804
46.925
49.138
51.446

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

673 C
714 C
748 C
784 C
821 C
860 C
900 C

21
31
42
53
65
84
99
114
131
148
167
187
208

C 129.361

71.654

C 17.802

C 53.853

1,75%

C

942

C

248

C 13.582

c 12.461

26.043

131.084

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595
C151.567
C 154.598
C 157.690
C 160.844
C 164.061
E 167.342
C 170.689
C 174.102
C 177.584

74.521
77.501
c 80.601
83.826
86.340
88.931
c 91.598
c 94.346
97.177
C 100.092
C 103.095
C 106.188
C 109.373
C 112.655
C 114.908
C 117.206

C
C
C
C
C
C
C

56.363
58.980
61.710
64.556
66.686
68.883
71.150
C 73.489
C 75.902
C 78.392
C 80.961
C 83.611
C 86.345
C 89.165
C 90.949
C 92.768

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

C
C
C
C
C
C
C
C

272
297
323
351
381
412
444
517
553
591
630
671
714
759
805
853

C 14.840
C16.168
C 17.572
C 19.053
C 20.601
C 22.218
C 23.908

C
C
C
C
C
C
C
C

986
1.032
1.080
1.130
1.167
1.205
1.245
1.286
1.328
1.372
1.417
1.463
1.511
1.560
1.592
1.623

C
C
C
C
C
E
C

C
C
C
C
C
C
C
C

74.521
77.501
80.601
83.826
86.340
88.931
91.598
94.346
97.177
100.092
103.095
106.188
109.373
112.655
114.908
117.206

48.987

12.710
12.965
13.224
13.488
13.758
14.033
14.314
14.600
14.892
15.190
15.494
15.804
16.120
16.442
16.771
17.107

€119.550

27.550
29.133
30.796
32.541
34.359
36.252
38.222
42.275
44.449
46.709
49.060
51.505
54.046
56.687
59.413
62.224

C

119.550

C 181.136

C 94.623

1,75%

C

1.656

C

980

51.622

c 17.449

69.071

C 121.941
C 124.380
C 126.867
C 129.405
€131.993
€134.633
C 137.325
C 140.072
C 142.873
C 145.731
C 148.645
C 151.618
C 154.650
C 157.744

C
C
C
C
C
C
C
C
C
C
C
C
C
C

121.941
124.380
126.867
129.405
131.993
134.633
137.325
140.072
142.873
145.731
148.645
151.618
154.650
78.872

C 184.759
C 188.454
C 192.223
C 196.068
C 199.989
C 203.989
C 208.069
C 212.230
C 216.474
C 220.804
C 225.220
C 229.724
C 234.319
C 119.503

C 96.516
C 98.446
C 100.415
C 102.423
C 104.471
C 106.561
C 108.692
C 110.866
C 113.083
C 115.345
C 117.652
C 120.005
C 122.405
C 62.427

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C
C
C
C
C
C
C

1.689
1.723
1.757
1.792
1.828
1.865
1.902
1.940
1.979
2.019
2.059
2.100
2.142
1.092

C
C
C
C
C
C
C
C
C
C
C
C
C
C

1.032
1.087
1.143
1.201
1.261
1.323
1.386
1.452
1.520
1.590
1.662
1.737
1.813
1.893

54.344
57.154
60.054
63.047
66.137
69.324
72.613
76.005
79.504
83.113
86.834
90.671
94.626
97.611

17.798
18.154
18.517
18.887
19.265
19.650
20.043
20.444
20.853
21.270
21.695
22.129
22.572
23.023
23.023

72.142
75.307
78.571
81.934
85.401
88.974
92.656
96.449
100.357
104.383
108.529
112.800
117,198
120.634
124.935

133.654
136.274
138.947
141.671
143.060
144.462
145.879
147.309
148.753
150.212
151.684
153.171
154.673
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156.189
156,189
156.189
156.189
78.872

C

c

c 51.365 C 15.194 C 36.171

c

c

C 18.158
C 18.521
C18.891
C 19.269
C 19,655
C 20.048
C 20.449
C 20.858
C 21.275
C 21.700
C 22.134
C 22.577
C 23.029
C 23.489
C 23.959
C 24.438
C 119.550 C 24.927
C 121.941 C 25.425
C 124.380 C 25.934
C 126.867 C 26.453
C 129.405 C 26.982
C 131.993 C 27,521
C 134.633 C 28.072
C 137.325 C 28.633
C 140.072 C 29.206
C 142.873 C 29.790
C 145.731 C 30.386
C 148.645 C 30.993
C 151.618 C 31.613
C 154.650 C 32.245
C 78.872 C 16.445

c

C

C

c

1.553
2.078
2.645
3.258
3.919

C 4.215

C 4.933
C 5.704
C 6.533
C 7.412
C 8.344
C 9.332
C 10.379
C 11.486

c 10.848
c
c
c

C 12.391

c

c

25.871
27,674
29.556
31.519
33.566
35.701
37.926
40.245
42.641
45.118

c
c

c

c
c

C

C 101.912

C
C
C
C
C
C
C
C

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

leeftijd dienstjaren

wn 1988 - 3 x modaal

1-1-1988
71,5
(1-7-2059)
71
(1-1-2059)
70,25
(1-7-2059)

carriere inflatie
loon
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum pensioenAOW
pensioen opbouw
pensioen- gevend
franchis grondslag percentag
gevend loon
e
e
loon
ML

OP

indexatie
opgebouw
d
OP

AOW
Totaal
uitkering 0P+AOW

0P67

2013
2014

25
26

1
2

3%
3%

2%
2%

C 54.756
C 57.494

C
C

54.756
57.494

C 54.756
C 57.494

2015
2016
2017
2018
2019

27
28
29
30
31

3%
3%
3%
3%
30/,

2%
2%
2%
2%
2%

60.368
63.387
66.556
69.884
73.378

C 100.000
C 102.000
C 104.040
C 106.121
C 108.243

32

3%

2%

C

77.047

C 110.408

2021
2022
2023
2024
2025
2026
2027

33
34
35
36
37
38
39

3%
3%
2%
2%
2%
2%
2%

2%
2%
2%
2%
2%
2%
2%

C 60.368
C 63.387
C 66.556
C 69.884
C 73.378
C 77.047
C 80.899
C 84.944
C 88.342
C 91.876
C 95.551
C 99.373
€103.348

C
C
C
C
C

2020

3
4
5
6
7
8
9
10
11
12
13
14
15

C
C
C
C
C
C
C

80.899
84.944
88.342
91.876
95.551
99.373
103.348

C 112.616
C 114.869
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

2028

40

16

2%

2%

C 107.482

C

107.482

C 129.361 C 107.482

2029
2030
2031
2032
2033
2034
2035

41
42
43
44
45
46
47

17
18
19
20
21
22
23

2%
2%
2%
2%
1%
1%
1%

2%
2%
2%
2%
2%
2%
2%

C 111.781
C 116.252
C 120.902
C 125.738
C 129.510
C 133.396
C 137.398

C
C
C
C
C
C
C

111.781
116.252
120.902
125.738
129.510
133.396
137.398

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595

2036

48

24

1%

2%

€141.520

C

141.520

2037
2038
2039
2040
2041
2042
2043
2044

49
50
51
52
53
54
55
56

25
26
27
28
29
30
31
32

1%
1%
1%
1%
1%
1%
0%
0%

2%
2%
2%
2%
2%
2%
2%
2%

C 145.765
C 150.138
C 154.642
C 159.282
C 164.060
C 168.982
C 172.361
C 175.809

C
C
C
C
C
C
C
C

2045

57

33

0%

2%

C 179.325

34
35
36
37
38
39
40
41
42
43
44
45
46
46,5

0%

2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%
2%

€182.911
€186.570
€190.301
€194.107
C 197.989
€201.949
C 205.988
€210.108
C 214.310
€218.596
C 222.968
C 227.427
€231.976
C 236.615

2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
1-7-2059

58
59
60
61
62
63
64
65
66
67
68
69
70
71
71,5

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

54.756

C 13.227

C 41.529

2,25%
2,15%

C 46.607
C 49.350
C 52.239
C 55.280
C 58.482

1,75%
1,75%
1,75%
1,75%
1,75%

C 61.853

1,75%

C 65.402
C 69.137
C 72.218
C 75.430
C 78.776
C 82.262
C 85.895

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
934
C
946
C
816
C
864
C
914
C
967
C 1.023
C 1.082
C 1.145
C 1.210
C 1.264
C 1.320
C 1.379
C 1.440
C 1.503

C 17.802

C 89.680

1,75%

C 111.781
C 116.252
C 120.902
C 125.738
C 129.510
C 133.396
C 137.398

C 18.158
C18.521
C 18.891
C 19.269
C 19.655
C 20.048
C 20.449

C 93.623
C 97.731
C 102.011
C 106.469
C 109.856
C 113.348
C 116.949

C 151.567

C 141.520

C 20.858

145.765
150.138
154.642
159.282
164.060
168.982
172.361
175.809

C 154.598
C 157.690
C 160.844
C 164.061
C 167.342
C 170.689
C 174.102
C 177.584

C 145.765
C 150.138
C 154.642
C 159.282
C 164.060
C 168.982
C 172.361
C 175.809

C

179.325

C 181.136

C
C
C
C
C
C
C
C
C
C
C
C
C
C

182.911
186.570
190.301
194.107
197.989
201.949
205.988
210.108
214.310
218.596
222.968
227.427
231.976
118.308

C 184.759
C 188.454
C 192.223
C 196.068
C 199.989
C 203.989
C 208.069
C 212.230
C 216.474
C 220.804
C 225.220
C 229.724
C 234.319
C 119.503

c 57.494 C 13.492 C 44.002

C
C

0P69

0P69

0P70

0P71

gemiddeld
loon
met
indexatie
tot
AOW

OP71,5

934

C

c 1.899

9.259

9.259
9.444
9.633
9.826
10.022
10.223
17.804

134.815
138.780
142.862
147.064
151.389
155.842
160.425

C
C
C
C
C

19
38
55
73
93
114

C

148

C
C
C
C
C
C
C

172
198
227
256
288
321
357

C 1.569

C

425

C 23.231

C 12.461

c 35.692

196.625

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

1.638
1.710
1.785
1.863
1.922
1.984
2.047

C
C
C
C
C
C
C

465
507
551
598
647
698
752

C 25.334
C 27.551
C 29.887
C 32.348
C 34.917
C 37.599
C 40.398

c 43.715

C 12.710
C 12.965
C 13.224
C 13.488
C 13.758
C 14.033
C 14.314

38.044
40.515
43.111
45.836
48.675
51.633
54.712

200.481
204.412
208.420
212.506
214.590
216.694
218.818

C 120.662

1,75%

C 2.112

C

874

46.701

C 14.600

61.301

220.963

C 21.275
C 21.700
C 22.134
C 22.577
C 23.029
C 23.489
C 23.959
C 24.438

C 124.490
C 128.438
C 132.508
C 136.705
C 141.031
C 145.493
C 148.403
C 151.371

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C

934
996
1.061
1.129
1.199
1.273
1.349
1.428

49.813
53.057
56.437
59.958
63.625
67.444
71.390
75.467

C

81.938

C 14.892
64.705
C 15.190
68.247
C 15.494
71.931
C 15.804 c 75.762
C 16.120 c 79.745
C 16.442 c 83.886
C 16.771 C 88.161
C 17.107 C 92.573

223.130
225.317
227.526
229.757
232.009
234.284
234.284
234.284

C 179.325

E 24.927

C 154.398

1,75%

C

1.639

C

86.279

C 17.449

C 103.728

234.284

C 182.911
C 186.570
C 190.301
C 194.107
C 197.989
C 201.949
C 205.988
C 210.108
C 214.310
C 218.596
C 222.968
C 227.427
C 231.976
C 118.308

C 25.425
C 25.934
C 26.453
C 26.982
C 27.521
C 28.072
C 28.633
C 29.206
C 29.790
C 30.386
C 30.993
C 31.613
C 32.245
C 16.445

C 157.486
C 160.636
C 163.848
C 167.125
C 170.468
C 173.877
C 177.355
C 180.902
C 184.520
C 188.210
C 191.974
C 195.814
C 199.730
C 101.862

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C 2.179
C 2.248
C 2.319
C 2.392
C 2.468
C 2.546
C 2.597
C 2.649
C 2.702
C 2.756
C 2.811
C 2.867
C 2.925
C 2.983
C 3.043
C 3.104
C 3.166
C 3.229
C 3.294
C 3.360
C 3.427
C 3.495
C 1.783

C
C
C
C
C
C
C
C
C
C
C
C
C
C

1.726
1.815
1.908
2.003
2.102
2.204
2.308
2.417
2.528
2.643
2.762
2.885
3.011
3.141

C
C
C
C
C
C
C
C
C
C
C
C
C
C

90.761
95.387
100.162
105.090
110.175
115.421
120.834
126.416
132.174
138.111
144.232
150.544
157.050
161.974

C 17.798
C 18.154
C 18.517
C 18.887
C 19.265
C 19.650
C 20.043
C 20.444
C 20.853
C 21.270
C 21.695
C 22.129
C 22.572
C 23.023
€23.023

C 108.559
C 113.541
C 118.679
C 123.977
C 129.440
C 135.072
C 140.877
C 146.860
C 153.026
C 159.381
C 165.928
C 172.673
C 179.622
C 184.997
C 192.133

234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
234.284
118.308

c 60.368

C 13.761
C 14.037
c
C 14.317
C 14.604
C 14.896
77.047 C 15.194
c 80.899 C 15.498
84.944 C 15.807
c 88.342 C 16.124
91.876 C 16.446
95.551 C 16.775
C 99.373 C 17.111
C 103.348 C 17.453

c

63.387
66.556
69.884
73.378

c

c

c

2.753
3.671
4.659
5.720
6.857 C 7.377
C 8.607
C 9.923
C 11.332
C 12.822
C 14.399
C 16.065
C 17.826
C 19.686

C 9.444
C 9.633
C 9.826
C 10.022
C 10.223
C 10.427
C 10.636
C 10.848
C 11.065
C 11.287
C 11.512
C 11.743
C 11.977
C 12.217

C 21.237

c

c

c 19.242

165.144

20.772
22.397
24.109
25.911
27.808
29.803
31.903

170.001
175.001
178.432
181.931
185.498
189.136
192.844

c
c

c
€
c

c

€169.109

Herziene berekeningen Witteveen 2015

geboortedatum
prognose AOW-leeftijd
prognose pensioenleeftijd
ingangsdatum pensioen

jaar

wn 1988 - 4 x modaal

1-1-1988
71,5
(1-7-2059)
71
(1-1-2059)
70,25 (1-7-2059)

leeftijd dienst- carriere inflatie
loon
jaren
correctie (volledig
jaar)

loon
(tijdsevenredig)

maximum pensioenAOW pensioen
pensioen- gevend
franchis grondslag
gevend loon
e
loon

opbouw
percentag
e
ML

OP

indexatie
opgebouw
d
OP

Cumulati
ef
OP

0P67

AOW
Totaal
uitkering 0P+AOW

0P68

0P69

0P70

0P71

gemiddeld
loon
met
indexatie
tot
AOW

0P71,5

2013

25

1

3%

2%

C

73.008

C

73.008

C

73.008

C 13.227

59.781

2,25%

C 1.345

C

C

1.345

2014

26

2

3%

9.259

2%

C 76.658

9.259

C 179.753

C

76.658

C 76.658

C 76.658

C 13.492

63.167

2,15%

C 1.358

C

27

C

2.730

2015
2016
2017
2018
2019

27
28
29
30
31

9.444

C 185.040

3
4
5
6
7

3%
3%
3%
3%
3%

9.444

2%
2%
2%
2%
2%

C 80.491
C 84.516
C 88.741
C 93.179
C 97.837

C
C
C
C
C

80.491
84.516
88.741
93.179
97.837

C 100.000
C 102.000
C 104.040
C 106.121
C 108.243

C
C
C
C
C

80.491
84.516
88.741
93.179
97.837

C 13.761
C 14.037
C 14.317
C 14.604
C 14.896

66.730
70.479
74.424
78.575
82.942

1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C

1.168 C
1.233 C
1.302 C
1.375 C
1.451 C

55
79
105
133
164

C
C
C
C
C

3.952
5.265
6.673
8.181
9.796

9.633

2020

32

8

3%

9.633
9.826
10.022
10.223
20.965

C 190.483
C 196.085
C 201.852
C 207.789
C 213.901

2%

C 102.729

C

102.729

C 110.408

c 9.826
c 10.022
c 10.223
c 10.427

C 102.729

C 15.194

87.536

1,75%

C 1.532

C

211

12,281

2021
2022
2023
2024
2025
2026
2027

33
34
35
36
37
38
39

3%
394
2%
2%
2%
2%
2%

22.916

C 220.192

9
10
11
12
13
14
15

2%
2%
2%
2%
2%
2%
2%

C 107.866
C 113.259
C 117.789
C 122.501
C 127.401
C 132.497
C 137.797

C
C
C
C
C
C
C

107.866
113.259
117.789
122.501
127.401
132.497
137.797

C 112.616
C 114.869
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

C 107.866
C 113.259
C 117.166
C 119.509
C 121.899
C 124.337
C 126.824

C 15.498
C 15.807
C 16.124
C 16.446
C 16.775
C 17.111
C 17.453

92.368
97.452
101.042
103.063
105.124
107.227
109.371

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

1.616
1.705
1.768
1.804
1.840
1.876
1.914

C
C
C
C
C
C
C

246
283
323
364
408
453
499

c 14.143

29.537

2028

40

16

2%

10.848
11.065
11.287
11.512
11.743
11.977
12.217

2%

C 143.309

C

143.309

C 129.361 C 129.361 C 17.802

111.559

1,75%

C 1.952

C

591

32.080

2029
2030
2031
2032
2033
2034
2035

41
42
43
44
45
46
47

12.461

17
18
19
20
21
22
23

2%
2%
2%
2%
1%
1%
1%

294
2%
2%
2%
2%
2%
2%

44.541 C 262.167

C 149.041
C 155.003
C 161.203
C 167.651
C 172.681
C 177.861
C 183.197

C
C
C
C
C
C
C

149.041
155.003
161.203
167.651
172.681
177.861
183.197

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595

C 131.948
C 134.587
C 137.279
C 140.024
C 142.825
C 145.681
C 148.595

C 18.158
C 18.521
C 18.891
C 19.269
C 19.655
C 20.048
C 20.449

113.790
116.066
118.387
120.755
123.170
125.633
128.146

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C

1.991
2.031
2.072
2.113
2.155
2.199
2.243

C
C
C
C
C
C
C

642
694
749
805
864
924
986

34.713
37.438
40.259
43.177
46.196
49.319
52.547

C

56.862

2036

48

24

12.710
12.965
13.224
13.488
13.758
14.033
14.314

1%

2%

47.423
50.403
53.483
56.665
59,954
63.352
66.862

C 188.693

C

188.693

C 151.567

E 151.567

C 20.858

130.709

1,75%

C 2.287

C

1.137

C

60.287

2037
2038
2039
2040
2041
2042
2043
2044

49
50
51
52
53
54
55
56

25
26
27
28
29
30
31
32

14.600

194
1%
1%
1%
1%
1%
0%
wo

74.887

C 294.618

2%
2%
2%
2%
2%
2%
2%
2%

C 194.354
C 200.184
€206.190
€212.375
€218.747
€225.309
C 229.815
€234.411

C
C
C
C
C
C
C
C

194.354
200.184
206.190
212.375
218.747
225.309
229.815
234.411

C 154.598
C 157.690
C 160.844
C 164.061
C 167.342
C 170,689
C 174.102
C 177.584

C 154.598
C 157.690
C 160.844
C 164.061
C 167.342
C 170.689
C 174.102
C 177.584

C 21.275
C 21.700
C 22.134
C 22.577
C 23.029
C 23.489
C 23.959
C 24.438

133.323
135.990
138.709
141.484
144.313
147.200
150.144
153.146

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C

2.333
2.380
2.427
2.476
2.525
2.576
2.628
2.680

C
C
C
C
C
C
C
C

1206
.
1.277
1.350
1.425
1.503
1.584
1.667
1.753

C
C
C
C
C
C
C
C

63.825
67.482
71.259
75.160
79.189
83.348
87.643
92.076

c 14.892

2045

57

33

0%

78.718
82.672
86.753
90.964
95.309
99.791
104.414
109.182

2%

€239.100

C

239.100

C 181.136

C 297.506
C 300.423
C 303.368
C 306.343
C 309.346
C 312.379
C 312.379
C 312.379

C 181.136

C 24.927

156.209

1,75%

C 2.734

C

1.999

C 104.705

2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
1-7-2059

58
59
60
61
62
63
64
65
66
67
68
69
70
71
71,5

17.449

34
35
36
37
38
39
40
41
42
43
44
45
46
46,5

122.154

0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%

2%
2%
2%
2%
2%
2%
2°k
294
2%
2%
2%
2%
2%
2%

€243.882
€248.759
€253.735
€258.809
C 263.985
€269.265
€274.650
C 280.143
€285.746
C 291.461
€297.290
C 303.236
€309.301
C 315.487

C 312.379

C
C
C
C
C
C
C
C
C
C
C
C
C
C

243.882
248.759
253.735
258.809
263.985
269.265
274.650
280.143
285.746
291.461
297.290
303.236
309.301
157.744

C 184.759
C 188.454
C 192.223
C 196.068
C 199.989
C 203.989
C 208.069
C 212.230
C 216.474
C 220.804
C 225.220
C 229.724
C 234.319
C 119.503

C 184.759
C 188.454
C 192.223
C 196.068
C 199.989
C 203.989
C 208.069
C 212.230
C 216.474
C 220.804
C 225.220
C 229.724
C 234.319
C 119.503

C 25.425
C 25.934
C 26.453
C 26.982
C 27.521
C 28.072
C 28.633
C 29.206
C 29.790
C 30.386
C 30.993
C 31.613
C 32.245
C 16.445

159.334
162.520
165.771
169.086
172.468
175.917
179.435
183.024
186.685
190.418
194.227
198.111
202.073
103.057

1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%
1,75%

C
C
C
C
C
C
C
C
C
C
C
C
C
C

C
C
C
C
C
C
C
C
C
C
C
C
C
C

2.094
2.192
2.292
2.396
2.503
2.614
2.728
2.845
2.966
3.091
3.219
3.352
3.488
3.628

C 109.587
C 114.623
C 119.817
C 125.172
C 130.694
C 136.386
C 142.254
C 148.302
C 154.535
C 160.958
C 167.576
C 174.395
C 181.419
C 186.851

17.798
18.154
c 18.517
18.887
c 19.265
C 19.650
C 20.043
C 20.444
C 20.853
C 21.270
C 21.695
C 22.129
C 22.572
C 23.023
C 23.023

127.385
132.777
138.334
144.059
149.959
156.036
162.297
168.746
175.388
182.228
189.272
196.524
203.991
209.874
218.106

C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 312.379
C 157.744

73.008

C

2.788
2.844
2.901
2.959
3.018
3.079
3.140
3.203
3.267
3.332
3.399
3.467
3.536
1.804

c 10.538

c 10.636

c

16.131

c 18.222
20.390

c 22.637

c

24.967
c 27.380

c
c

c
c
c

15.190

c 15.494

C

c

99.972

C 195.083

15.804
16.120
16.442
16.771
17.107

24.991 C 226.668
27.196 C 233.335
29.508 C 237.910
31.902 C 242.575
34.380 C 247.331
36.944 C 252.181
39.597 C 257.125
C 267.308
C 272.549
C 277.893
C 283.342
C 286.120
C 288.925
C 291.758