Retirement age in the Netherlands: the AOW table

The SVB states that the AOW ages for everyone born before 1 October 1964 have been established:

• Born 1 June 1956 to 28 February 1957: 66 years and 10 months
• Born 1 March 1957 to 31 December 1960: 67 years
• Born 1 January 1961 to 30 September 1964: 67 years and 3 months

Source: SVB: Your AOW pension age, read 16 October 2026.

For people born on or after 1 October 1964, the SVB publishes expected ages and says plainly that they are not yet final:

• 1 October 1964 to 30 September 1966: 67 years and 3 months
• 1 October 1966 to 30 June 1970: 67 years and 6 months
• 1 July 1970 to 31 March 1973: 67 years and 9 months
• 1 April 1973 to 31 December 1975: 68 years
• 1 January 1976 to 30 September 1978: 68 years and 3 months
• 1 October 1978 to 30 June 1982: 68 years and 6 months
• 1 July 1982 to 31 March 1985: 68 years and 9 months
• 1 April 1985 to 31 December 1988: 69 years
• 1 January 1989 to 30 September 1991: 69 years and 3 months
• 1 October 1991 to 30 June 1995: 69 years and 6 months
• 1 July 1995 to 31 March 1999: 69 years and 9 months
• 1 April 1999 to 31 December 2000: 70 years

Read the later rows as a planning estimate. The SVB's own page offers a date-of-birth calculator, and that is the figure to check before you fix a date.

Source: SVB: Your AOW pension age, read 16 October 2026.

The AOW age only tells you when the Dutch state pension starts. How much of it you receive, and how years abroad interact with it, is a separate question, and EU-insured periods follow the coordination rules our multi-country pension guide explains. Our guide to retiring to the Netherlands covers the move itself.

If your retirement plan includes private health cover abroad, timing matters: Regency's international health plans accept new applicants up to age 70, and Essential Health up to 80. Pre-existing conditions are excluded, and cover is governed by the policy wording. We are an insurance introducer, not an insurer.