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Use the simulation tool

Will your statutory pension be enough to ensure a comfortable retirement? Calculate below how much you have to save to reach your pension goal. Once you know that, you can have a look at ING' pension solutions. There always one adapted to your situation and your needs.

Your profile

Fill out the requested information to make the calculation.

Your personal details


Your pension

Years your statutory pension is a portal of the Belgian government where you can check your personal pension details. How much statutory pension have you built up by now? What is your exact retirement date? How much supplementary pension have you already saved? Log on with itsme® or your eID card reader to get an answer to all your pension questions.
min. 0 € - max. 5000 €
Required information

Your current savings

Savings as an individual

icon-info How much do you save each year?
min. 300 € - max. 1270 €

As a self-employed person, via a Supplementary Pension for the Self-employed

min. 0 € - max. 3,027.09 €
icon-info What is the total amount you saved up until today?
icon-info How much do you save each year?
min. 0 € - max. 36.000 €

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:


More good news. You even have room for other investments and can save up to :


Result of your simulation based on this data

Calculation method
Pension goal
Saved capital at age of 65 years
Capital required at age of 65 years
Extra amount to be saved Extra amount to invest
Corresponds to per month
From now until pensionable age
Based on these details
Age  years
Pensionable age  years
Professional status
Pension savings
Other savings plans

This calculation is based on the average statutory pension in Belgium and on your professional status :

Employee: €1,233.36

Self-employed: €999.14

Civil servant: €2,535

Source :

*a Belgian incorporated mutual investment fund

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.

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, 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.

The legal state retirement pension used in the simulation is the middle amount for single persons and according to the status (employee/self-employed/civil servant) applying to you in 2018. ( ref : ).

The returns we use in this simulation provide an indication for the long term. They are gross and do not include fees and taxes. They offer no guarantee whatsoever for the future. ING Belgium give no guarantee as to the completeness, accuracy and reliability of the information and data provided in this simulation.

The information provided does not constitute an offer of bank or insurance products or services. Unless explicitly stated otherwise, the information cannot be regarded as investment advice or an investment recommendation within the meaning of the Act of 2 August 2002.

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 0403.200.393.