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A long-term illness or unfortunate accident can have more than just physical or psychological consequences. In fact, the effect can sometimes be massive for you, as well as your family and business. But a guaranteed income will at least save you from any financial headaches. And you should also consider accident insurance and even death cover. That way, no one is left out in the cold. 

Will you be able to make ends meet with your statutory pension for the self-employed? 

The answer is simple: no. Because the pension you’ll get from the government is (a lot) lower than your current income. So it won’t be enough for you to maintain your lifestyle. But how wide will the gap be in your case? Start by asking yourself how much your statutory pension will be and how much you think you’ll need. Only then can you begin to prepare... in your own personal way! 

Our answers for your pension
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How do you go about building a supplementary pension? 

Anyone dreaming of a long and happy life would do best to have a supplementary pension. There are plenty of options, too: a Free Supplementary Pension for the Self-Employed (VAPZ), an Individual Pension Commitment (IPT), a Pension Agreement for the Self-Employed (POZ) or a Group Insurance policy for company directors. There are also various ways of ‘saving for retirement’, such as a life insurance policy. 

NN’s solutions for your pension

VAPZ: the foundation for every self-employed person’s pension

With a Free Supplementary Pension for the Self-Employed (VAPZ), you’ll save a nice sum of money for later. At the same time, you’ll also benefit from tax and social security advantages: up to 60% of your premium.

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IPT: the pension for the self-employed who have a business

Your Individual Pension Commitment (IPT) means you save a fixed amount each month via your company. The money’s fiscally attractive and dynamically invested with potentially high returns.

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POZ: the pension for the self-employed without a business

Your Pension Agreement for the Self-Employed enables you to benefit from a tax reduction of 30% when saving through your personal income tax. Dynamically invested with potentially high returns.

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Group insurance: the solution for every company director

It enables you to save for a supplementary pension, as well as providing income protection. A great solution if your company has multiple self-employed directors. And attractive for tax purposes, too.

Find out more

Calculate your supplementary pension

How much do you need on top of your statutory pension to be financial secure? Calculate the amount yourself on mypension.be or via our simulator.

Calculate your pension

Your profile

Enter your information and the results will appear automatically at the bottom of the page.

Your personal info

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Your retirement

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Your savings today

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We are happy to help you save an extra pension capital.

To have the desired monthly net pension, we advise you to save this amount:
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The capital that you will accumulate:
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Congratulations! You can peacefully look forward to a comfortable retirement.

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Even more good news! You are saving more than what you need to save to obtain the required pension. On top you save:
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The capital that you will accumulate:
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Good to know

This calculation is based on the average legal pension in Belgium and on your professional status. Do you have any other savings formulas for your pension? Mention them under "Your savings today" so we can take it into account.

Overview of the simulation based on your input

Calculation method
Desired net pension/month€{{ round(desiredPension) }}
{{ amountSavedString }}€{{ round(accumulatedCapital) }}
{{ capitalNeededString }}€{{ round(pensionCapitalNeeded) }}
Extra to save €{{ round(pensionCapitalNeeded - accumulatedCapital) }}
This results in€{{ round(amountToSaveMonthly) }}/month from now until your retirement
Based on this information
Gender{{ genders[gender] }}
Age{{ age }} years
Retirement age{{ retirementAge }} years
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Other savings formulas{{ checkSavings }}
Good to know

This simulator takes the following parameters into account:

  • An average annual interest of {{ annualReturn * 100 }}%
  • An annual inflation of {{ annualInflation * 100 }}%
* This is a required field.

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