What is the Uniform Calculation Methodology?

To estimate what your pension capital can yield in terms of expected pension, De Nederlandsche Bank (DNB) calculates how the economy will develop over time. DNB uses 2,000 scenarios for this purpose. We call this the Uniform Calculation Methodology (UCM).

DNB takes into account the development of equity returns, interest rate developments and price increases. DNB provides these calculations. We call this the Uniform Calculation Methodology (UCM). All pension administrators in the Netherlands have been working with this since 1 October 2019.

Why do we use this calculation method?

The use of the calculation method has been mandatory for the expected pension amount on and the Uniform Pension Overview (UPO) since 2019. We also use this calculation method on your personal pension page. This way the amounts match.

DNB publishes the calculations at the beginning of each quarter. We then process them and recalculate your expected pension.

Adjustments in February 2024

You can see your expected pension on your personal pension page. We calculate this using data from the DNB. Due to the recalculation at the start of February, the expected pension benefits will generally be lower.

If you are about to retire, please go to for a current calculation of the pension that you can purchase.

Please note that this relates to your expected pension benefits. Your accrued pension capital has not been adjusted due to the DNB data update. The calculation may turn out differently for everyone.

View your expected pension benefits

You can see your expected pension benefits on your personal pension page. You can also find more information about the calculations there. To do this, click on the question mark icon to the right of your pension indication. Use your indication to estimate whether you will have enough income later. Our income planner can help you with this.