The AOW amount
The AOW has two gross amounts — one for an unmarried pensioner and one for a married one — and the Act states neither. What it states is a derivation from the net minimum wage and a duty on the Minister to announce the resulting amount in the Staatscourant. This page shows what those amounts are, and what the deduction for each uninsured year does to them.
The two amounts
| Situation | Gross per month | Per insured year | Provision |
|---|---|---|---|
| ongehuwde pensioengerechtigde | € 1.662,16 | € 33,24 | Algemene Ouderdomswet art. 9 lid 1 onderdeel a en lid 5 onderdeel a |
| gehuwde pensioengerechtigde | € 1.139,39 | € 22,79 | Algemene Ouderdomswet art. 9 lid 1 onderdeel b en lid 5 onderdeel b |
The AOW has two gross amounts side by side, not one base amount with a supplement or a reduction on it. Which of the two applies to you turns on your household, not on your income: there is no means test.
The Act states no amount
The gross amounts are not enacted figures. They are derived from the net minimum wage: the gross pension is set so that the net monthly pension — after wage tax, the national-insurance premium and the Zorgverzekeringswet contribution — equals seventy per cent of the net minimum wage for an unmarried pensioner and fifty per cent for a married one. That net minimum wage is itself the gross minimum wage less the premiums and wage tax of an employee below pension age, computed with twice the general tax credit and nothing else. (Algemene Ouderdomswet art. 9 lid 2 t/m 5)
When the net minimum wage changes, the changed gross pension is announced by or on behalf of the Minister in the Staatscourant, takes effect without any decision being issued, and is paid by the Sociale Verzekeringsbank at the next payment. Nobody receives a letter setting the new amount and there is nothing to appeal against. (Algemene Ouderdomswet art. 9 lid 7 t/m 9)
The amounts above are those for 01-07-2026 – 31-12-2026. They are not revised but REPLACED, twice a year, on the days the minimum wage is adjusted.
The 2% deduction
2% is deducted from the amount above for each calendar year between the starting age and the AOW age in which you were not insured. Over a window of 50 calendar years that means: somebody insured throughout is paid the full amount.
- One uninsured year costs an unmarried pensioner € 33,24 a month.
- For a married pensioner it is € 22,79 a month — a different figure, because the two gross amounts are set independently of each other.
Parts of calendar years are added together and reduced to whole years, counting a year as 360 days and a month as 30; whatever is left after that is disregarded. For the deduction that works in your favour — a remainder of uninsured time falls away — and for the one-year threshold it does not.
Why there is no calculator on this page
The arithmetic is simple; the input is not. The deduction turns on exactly which calendar years you were insured across a fifty-year window — a question about where you lived and worked from age seventeen onwards, answered from the Sociale Verzekeringsbank’s own records. A page that asks how many years those were and multiplies hands your own guess back to you as your pension. Your own record is the one the SVB states.