How much should you set aside to ensure a comfortable retirement?

Will your statutory pension be enough to ensure a comfortable retirement? We will help you calculate how much additional savings you will need. Simply enter the amount you would like to receive each month upon retirement. We will tell you how much you need to save and advise you on the various plans available to help you reach your pension goals!

Your profile

Your result will automatically appear below once you have entered your details.

Your pension

Enter the age at which you expect to retire. In Belgium, the legal retirement age is 65. Under certain conditions it is possible to take an early retirement.
Enter the monthly amount you think you will need for your pension. The simulator takes into account an inflation of 2%.

Your current savings

Savings as an individual

Enter the capital that you save each year via your pension savings plan with tax relief. The maximum amount taken into account for tax relief varies every calendar year. If you enter the maximum amount here, we will make our estimation based on the maximum amount that will be fixed for each coming year. This simulation also allows for inflation of 2% and an average return of 3%.
How much do you save each year?
250940 (max. in 2015)

Savings as self-employed (via a private supplementary pension for the self-employed)

How much do you save each year?
03,027.09
Enter the capital you already built up for your pension through contributions to your group insurance, the Private Supplementary Pension for the Self-employed or other savings and investment plans. The simulator takes into account an inflation of 2% and an average return of 2%.
What is the total amount you saved up until today?
Enter the capital saved each month for your group insurance, your Private Supplementary Pension for the Self-Employed, or other savings plans or investments. You will find these amounts in the statements supplied each year by your savings fund. This simulation also allows for inflation of 2% and an average return of 2%.
How much do you save each year?
€0€36000
Required information

Enter your details to see your result.

You need to save more in order to reach your desired pension.

Congratulations! You can already look forward to a comfortable retirement.

In your current situation, when you reach 65 you will receive sufficient savings to enjoy a comfortable pension.

To reach your desired net monthly pension, from now on you should start saving the following amount:
/month
More good news. You even have room for other investments and can save up to :
/month

Good to know

This calculation is based on the average statutory pension in Belgium. The calculation is personalised based on your professional status. Do you have another pension savings plan? Enter the details of your other (pension) savings plans above so we can include them in your simulation.

The following savings and investment plans may be of interest to you.

The following savings and investment plans may be of interest to you.

Have you thought about your other plans: a trip around the world, home improvements, a financial helping hand for your children? Or a boost for your own standard of living?

Did you know there are more benefits to be gained? By choosing a savings plan with tax relieve, you can already give your standard of living a boost today.

Have you thought about giving your pension capital an extra boost via your company while saving on tax at the same time? Or perhaps you would like to start saving for your children?

You can build your pension capital at your own pace. We offer several pension savings plans with guaranteed returns and capital protection or with a potentially high rate of return.

Did you know there are also pension savings plans that can save you a fair amount in taxes? Even when saving just a small amount each month. So you can secure your standard of living both now and in the future.

Have you thought about giving your pension capital an extra boost via your company while saving on tax at the same time? Or are you looking for other, hassle-free ways to save a little extra?

ING Life Pension Plan

Saving for the long-term
More info

Ideal if you do not have a home loan!

  • Tax incentives
  • Guaranteed interest and capital
  • Fees and taxes apply
  • From €50/month

Make an appointment

ING Focus Plan

Regular investment plan
More info

Your tailor-made investment plan!

  • High potential return without capital guarantee
  • Gradual development of your investment portfolio
  • Flexible: you can adjust your contract at any time
  • From just €25/month!

Make an appointment

ING Life Star Plan

Pension savings insurance
More info

Benefit from tax incentives and guaranteed interest!

  • Tax incentives (even if you have a mortgage)
  • Guaranteed capital and interest
  • Fees and taxes apply
  • From €25/month

Make an appointment

ING Business Pension Plan

Pension plan for self-employed business directors
More info

Pension plan via your company!

  • Significant tax incentives as a business expense
  • Guaranteed interest and capital
  • Compatible with other pension savings plans
  • You choose your premium amount or your desired capital

Make an appointment

Star Fund

Pension savings fund
More info

Large potential return for your pension!

  • Tax incentives
  • High potential return over the long-term without capital guarantee
  • Fees and taxes apply
  • From €25/year

Open online

ING PSPS

Private Supplementary Pension for the Self-Employed
More info

The ideal pension plan for the self-employed!

  • Tax incentives for the self-employed
  • Guaranteed interest
  • You decide how much to deposit and how often
  • From €50/month
  • Combinable with a pension savings plan as a private individual

Make an appointment

Automatic Savings Standing Order

Automatic Savings
More info

Save at your own pace!

  • Automatic payments
  • Save at you own pace
  • You decide how much to save and how often

Make an appointment

Calculation method

Pension goal
Saved capital at age of 65
Capital required at age of 65
Extra amount to be savedExtra amount to invest
Corresponds to per month
From now until pensionable age

Based on these details

Gender
Age   years
Pensionable age   years
Professional status
Pension savings
Other savings plans

Good to know

This simulators takes into account:

  • an average return of 3% (savings plan with tax relief).
  • an average return of 2% (other savings plan).
  • an inflation of 2%.

* a Belgian incorporated mutual investment fund

Disclaimer: ING Belgium's pension simulator
Disclaimer: ING Belgium's pension simulator

The information provided by the pension simulator of ING Belgium (hereinafter referred to as "the ING Belgium Simulator") is only valid on the date when given. This simulation does not take account of any subsequent changes in legislation or regulations (in particular, relating to fiscal matters) in effect at the time of the simulation. In addition, the data on which the simulation is based, whether those of ING or of the user, may change between the simulation and the conclusion of the insurance policy.

The information provided by the ING Belgium Simulator can never be considered as an offer. Drawn up solely on the basis of data communicated to ING and objective ING assumptions, it may only represent simple estimations and information used to assess this. The customer should always assess this information in light of their individual circumstances.

The information provided by the ING Belgium Simulator only takes Belgian taxation into account (excluding other taxes which may be due abroad), in accordance with the fiscal legislation and regulations in Belgium in effect on 01/05/2012. It is the duty of the user to check, if needed, whether other taxes are due.

Detailed facts and figures, including amounts aimed at estimating your required pension and additional income, are for information only and are not guaranteed. The historic returns used in this simulator give an indication over the long term but do not offer any guarantee for the future.

The information provided by the ING Belgium Simulator, or following the simulation, represents only simple estimations and information for assessment by the customer. This information does not in any way exempt the customer from consulting specialist advisers (on fiscal matters, etc.), notably with a view to taking their own individual situation into account.

Users of the ING Belgium Simulator remain fully and solely responsible for any use they freely make of this information and for the consequences of their decisions, except in the event of gross misconduct or intentional wrongdoing on the part of ING and without prejudice to the applicable laws.

ING branches are available to the customers to provide them with any further information and, if needed, at the request of the customer, to provide them with personalised offers. These offers are subject to prior acceptance of the portfolio of the customer by ING Belgium or, for insurance, by the insurance company concerned. Users of the ING Belgium Simulator are, of course, free to accept or reject the personalised offer which may be communicated to them by ING Belgium.

ING Belgium S.A./nv – Bank – Head Office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.200.393 – BIC (SWIFT): BBRUBEBB – Account (IBAN): BE45 3109 1560 2789 (310-9156027-89). Insurance broker registered with the FSMA under code number 12381A.