Most asked questions

These are the costs of insurance policies that provide a benefit if you become unable to work due to disability. Examples include: 

• disability pension 
• waiver of contributions in the event of occupational disability (PVI) 
• any additional cover for your pension accrual 

These costs represent the total premium paid for these insurances during the year. This may include both mandatory and voluntary insurance policies.

These are the costs of insurance policies that provide a benefit to your partner or children if you pass away. Examples include: 

• partner’s pension 
• orphan’s pension 
• any ANW gap pension 
• additional (voluntary) partner’s pension or orphan’s pension insurance 

These costs represent the total premium paid for these insurances during the year. This may include both mandatory and voluntary insurance policies.

In short: 

• Contribution Amount A shows how much contribution has been paid into your pension during a year. 
• Factor A shows how much pension you have accrued for tax purposes. 
   

You need either Contribution Amount A or Factor A if you want to calculate how much additional tax-efficient pension saving you can make, for example through an annuity or a bank savings annuity (your annual pension allowance). 

You can find these amounts on your personal pension page and on your Uniform Pension Overview (UPO). Under Documents on your personal pension page, you will find all the UPOs you have received from us. 

Good to know: if your pension scheme was converted to a Future Pensions Act (Wtp) scheme in 2025, both amounts will be shown on your 2026 UPO. 
 

Factor A (pension scheme before the Wtp) 
Factor A is a fiscal amount that shows how much your pension has increased during a year. In pension schemes under the previous pension legislation, pension growth is expressed as Factor A. This amount is used when calculating your annual pension allowance.  

Contribution Amount A (Wtp pension scheme) 
Contribution Amount A is the amount contributed to your pension during a year. This is the contribution paid for you by you, your employer, or both. In pension schemes under the Future Pensions Act (Wtp), this amount is used when calculating your annual pension allowance.  

For more information about calculating your annual pension allowance, visit the Dutch Tax and Customs Administration website: belastingdienst.nl. 

You will only know for certain how much pension you will receive when you use your accrued pension capital to purchase a pension benefit at your retirement date. 
 

Would you like to see an estimate of your future pension benefit now? You can do this on your personal pension page under Affect my pension income. There, you can see your estimated monthly pension benefit. You can also see how your expected pension changes if you make different choices. For example, if you retire earlier or later, or make additional contributions. 

The projected amount is always an estimate because your final pension depends on factors such as how much contribution is paid in, the investment returns achieved and the level of interest rates when you retire. 

Are you close to your retirement date? You can also request a calculation at befrank-pensioenuitkering.nl. 

Yes, there is. The 3 amounts on your UPO are based on 2,000 possible future scenarios. In practice, your pension is expected to fall somewhere between the amount shown on the left and the amount shown on the right. In 5% of the scenarios, your pension will be lower than the amount shown on the left. In 5% of the scenarios, your pension will be higher than the amount shown on the right.  

We are required to show these three scenarios on the Uniform Pension Overview (UPO). All pension providers use the same assumptions for these scenarios, making it easier to compare UPOs from different pension providers

The amount of pension you will receive in the future depends on several factors, including how much contribution is paid in and the returns on your investments. Investment returns can be higher or lower than expected. That is why pension providers are required to show three different scenarios: your estimated pension if things turn out much worse than expected, your estimated pension if things turn out much better than expected, and, in between, the projected pension that is currently considered the most likely outcome if you continue working and continue to accrue pension.  

All pension providers are required to show these three scenarios on the Uniform Pension Overview (UPO). The assumptions used are aligned, making it easier to compare UPOs from different pension providers 

The 2026 Uniform Pension Overview (UPO) is based on the salary that was known on 31 December 2025. Any salary changes made after that date have not been included. 
 

For some pension schemes, the maximum pensionable salary is shown instead of your actual salary. You do not accrue pension on any salary above this maximum. This limit is set by law each year. In 2025, the maximum pensionable salary was €137,800.

The 2026 Uniform Pension Overview (UPO) is a snapshot of 31 December 2025. This is known as the reference date. On your personal pension page, you see your current situation. As a result, changes made after the reference date will be visible on your personal pension page, but not on your UPO.