VAPZ

VAPZ stands for Free Supplementary Pension for the Self-employed. Do you want to maintain your current standard of living at all times so that you and your loved ones are assured of a carefree future? As a self-employed person, this is not an easy job, because a lot of income is lost when you retire. VAPZ is without a doubt the most tax-friendly savings formula.

The benefits of VAPZ

Up to 63% tax benefit

With a PSPS you enjoy an annual tax benefit of up to 63%. You can deduct the amount of the premiums paid as professional expenses. Because the income on which your social contributions are calculated is therefore lower, you also pay less social contributions.

The earlier you start, the higher your capital

Curious about the difference between starting to build up your VSPS now or within 5 years? Suppose you pay a premium of 2000 euros until you reach the age of 67 and your VSPS has an annual return of 1.45%. Then you will receive a gross capital with your pension:

Start saving at the age of 30: € 96,597

Start saving at the age of 35: € 80,650

Start saving at the age of 40: € 65,477

Acquire real estate

Your savings are not tied up until your retirement. You can already use your pension accrual to acquire your own house, country residence or apartment. You can also make use of an advance on your pension capital for large structural costs.


 

Curious how much you can save and how much tax advantage you have?

Calculate your benefits

For whom?

The VAPZ can be taken out by all self-employed persons in their main occupation, as a helping spouse and as a self-employed person in a secondary occupation

(from the fourth year and you pay at least the minimum contribution of a main professional)


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Frequently asked questions about VAPZ

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