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Pension saving in 2025: two maximum tax-efficient amounts to choose from

Pension saving enables you to set a sum of money aside each year for your retirement. Depending on the maximum tax-efficient amount you choose, you could claim up to 30% tax relief on what you’ve paid in when submitting your tax return the following year. So, if you want to snag an attractive tax break, be sure to check which amount is most beneficial to your situation.

Which maximum amount should you go for?

You can choose between two figures:

1,050 euros, which could save you up to 315 euros in tax
1,350 euros, which could save you up to 337.50 euros in tax

The default maximum amount is 1,050 euros per year. This gives you 30% tax relief on what you pay in, or a tax break of 315 euros per year. If you save less, you won't be able to claim the full amount of tax relief.

If you want to build up additional pension capital, you should opt for 1,350 euros per year as your maximum amount. This gives you 25% tax relief on what you pay in, or a tax break of 337.50 euros per year. Make sure to save at least 1,260 euros, otherwise you’ll get less tax relief than had you opted for 1,050 euros.

What you need to know if you opt for 1,350 euros

Be sure to save more than 1,260 euros
If you end up saving only 1 100 euros, for instance, you'll obtain a tax break of just 275 euros (25%), whereas you'd have received 315 euros (30%) if you’d gone for the lower tax-efficient figure of 1,050 euros.

You save more and pay a higher final tax charge
If you deposit 1,350 euros every year for pension-saving purposes, you should in principle come to a higher amount at the end, which means a higher final tax charge.

Tell us your choice every year
If you opted for 1,310 euros last year, the lower maximum figure of 1,050 euros will apply again in 2025, unless you explicitly opt for the higher maximum figure of 1,350 euros.

How to increase the amount you save to 1,350 euros

If you have a pension savings fund with KBC Brussels, you can increase the amount you save as follows using KBC Brussels Mobile:

Log in to KBC Brussels Mobile, tap ‘Investments’, then ‘Tax-advantaged savings and investments’, select your pension savings account and then tap ‘Increase your maximum tax-deductible amount’
Read through the information
Select 1,350 euros as the maximum amount

If you need any help with this, don’t hesitate to get in touch.

If you have a pension savings insurance plan with KBC Brussels, you can inform us of your choice at your KBC Brussels branch, KBC Brussels insurance agent or through KBC Brussels Live.

All the benefits of retirement savings at a glance