Jaarruimte NL
Annuity room & deduction 2026
Free · Designed for iPad. Not verified for macOS.
Calculate your 2026 annual and reservation room with the official figures. Deductible annuity premium and an estimated tax refund. Local, ad-free, no data collection.
Jaarruimte NL calculates your Dutch annual room (jaarruimte) and reservation room for tax year 2026 — locally on your device, with no ads and no data collection.
For the classic Factor A regime (38q transition) it computes:
- Premium base = income (max €137,800) − the €19,172 AOW offset.
- Base room = 30% × premium base.
- Pension-build-up reduction (classic 38q) = 6.27 × Factor A 2025.
- Annual room 2026 = base room − reduction − net pension, capped at €35,589.
- Reservation room 2026 = unused annual room 2016–2025, up to €42,753.
- Total deductible annuity premium and an estimated tax refund via the 2026 box-1 rates.
Inputs: 2025 income, Factor A from your UPO, net pension, unused room 2016–2025 and your expected 2026 box-1 income.
Transparent and traceable: every basis for the calculation links to the official sources (Belastingdienst, Staatsblad). The app clearly shows the 2026 figures and flags cases it does not model, rather than guessing.
Not modelled: per-year ageing of reservation room, WTP regimes 38r and the flat-premium regime (UPO data required), the Belgian state-pension case, FOR/business-cessation conversions, AOW timing and tax credits. The tax refund is an estimate.
Non-binding calculation, not tax advice. Not affiliated with the Belastingdienst.
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The developer, IVAN BOBAN, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
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Information
- Provider
- IVAN BOBAN
- Size
- 412.7 KB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English and Dutch
- Age Rating
4+
- 4+
- Copyright
- © 2026 Cosmic Production d.o.o.