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Retiring in Netherlands | Expat Exchange
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Retire in The Netherlands

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By Joshua Wood, LPC

Last updated on Mar 05, 2024

Summary: Retirees are attracted to the Netherlands for its vibrant culture, beautiful scenery, and excellent healthcare system. The Netherlands is known for its picturesque canals, tulip fields, and historic windmills. The country also offers a high quality of life with a low cost of living. The weather in the Netherlands is generally mild, with temperatures ranging from an average of 37°F (3°C) in January to an average of 61°F (16°C) in July.

What is it like to retire in The Netherlands?

"The Netherlands is an excellent location for retirees, boasting beautiful countryside, abundant cultural attractions, and rich history. Expats in The Netherlands enjoy a community of like-minded people, and there are many opportunities for retirees to stay active and engaged. Many cultural attractions, including traditional Dutch architecture, music, and art, can be found throughout the country and its surrounding areas. Recreational activities, such as festivals, outdoor sports, and leisurely walks through the countryside, are easy to find. And while nightlife may not be as abundant as some other countries, there is still plenty to do in the evening, such as attending concerts, participating in community activities, or simply taking a stroll through the town square. The Netherlands also offers a range of culinary experiences, from refined gourmet dining to casual café fare. With its lovely landscapes and active social scene, the Netherlands is a great destination for retirees looking to stay connected and engaged," explained one retiree living in Netherlands.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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SJB GlobalSJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What are the most challenging aspects of retiring in The Netherlands?

"One of the most challenging aspects of retiring in The Netherlands is the language barrier. Trying to navigate the social and medical services in a language which is not your native one can be difficult. Additionally, understanding the fine details of the Dutch pension system can also be a barrier to successfully retiring in The Netherlands. Similarly, finding suitable and affordable housing as a retiree in The Netherlands can also be challenging due to the country's expensive rental prices. Finally, filing and understanding the various necessary paperwork for tax and immigration purposes can also be a major hurdle," commented one retiree living in Netherlands.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

What are the most rewarding aspects of retiring in The Netherlands?

"Retiring in The Netherlands offers many wonderful benefits. With its low cost of living and excellent healthcare and social services systems, there is a high quality of life for those in retirement. The country also offers a range of recreational activities, such as a diverse range of cultural attractions, bike paths and scenic nature walks. The Netherlands is also known for its great cycling infrastructure, making it a great country to explore by bike. In addition, the Dutch people have a strong sense of community and welcoming attitude, making it a great place to retire," explained a retiree in Netherlands.

What are healthcare services like in The Netherlands?

We asked retirees if they have access to good medical care in The Netherlands. They wrote:

"The Netherlands has a comprehensive system of healthcare services. Primary care services are generally provided by general practitioners and dentists, while more specialized care is available at hospitals. All Dutch citizens are eligible for basic healthcare services, which are provided free of charge. Private healthcare insurance is also an option, typically for those requiring additional cover for treatments or medications that are not available under the national healthcare service. Health insurance companies are also required to cover particular services, such as home care and maternity care, at no additional cost. In addition, The Netherlands has made telehealth services more accessible and is actively promoting the use of digital health solutions such as apps and remote consultations," said one retiree in Netherlands.

How do I meet people in The Netherlands?

When we asked people living in The Netherlands about club and activities where newcomers can meet others, they responded:

"Try sports. Get a dog and walk it. Hit the town on Saturday and Friday nights. Get acquainted with your neighours by chatting with them while working your garden. Invite them (pick a date and time). Bring your children to a Dutch School and chat with any other parent on the school grounds. Find work at a Dutch firm," said a person in Amersfoort.

"Expats living in The Netherlands have the opportunity to join a variety of social and cultural clubs, such as a book club, language exchange, hiking group, or theater group. There are also many expat-specific organizations, such as International Women in The Netherlands, and Women in International Business, that hold regular events for newcomers and expats. Expats can also meet people through social networking sites, online forums, and local meet-ups, such as expatry drinks or coffee mornings. Additionally, attending local events and festivals, exploring the city, visiting public parks and markets, and participating in sporting activities are all great ways for expats to meet people and integrate into the local community," remarked one retiree in Netherlands.

What is life like in The Netherlands?

When we asked people living in The Netherlands what life is like and how people spend their time, they said:

"Many students stay in Utrecht after they got their degree. The city is as a result to this very multicultural. Socializing and sport is very important," said one retiree in living in Utrecht, Netherlands.

"Expats and digital nomads in The Netherlands enjoy the pleasant weather, vibrant cities, and welcoming culture. The country is known for its modern infrastructure and efficient public transportation, making it an ideal location for those looking to live and work in Europe. Additionally, the Netherlands offers excellent connectivity and many coworking spaces, creating a perfect environment for those looking to become digital nomads. It also has some of the friendliest people in Europe, making it a great place to meet people and make lifelong connections. All in all, expats and digital nomads in The Netherlands have a lot to look forward to, with all of these opportunities right at their fingertips," explained a retiree in Netherlands.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

What do I need to know before retiring in The Netherlands?

When we asked people what advice they would give someone preparing to move to The Netherlands, they said:

"Utrecht is nice, but finding a house is very difficult. There is a shortage of rooms and appartments," said one retiree in living in Utrecht, Netherlands.

"Before planning a retirement in the Netherlands, expats should familiarize themselves with the local language, Dutch. Although many Dutch people speak good English, it is still beneficial to learn the basics so meaningful connections with the locals can be made more easily. Additionally, Visa requirements should be researched thoroughly as the Netherlands has strict regulations for expat visas. It is important to get acquainted with the local healthcare system and research availability of private plans. Living costs in the Netherlands tend to be relatively high, but expats may take advantage of the generous tax breaks available for pensioners. Lastly, the Netherlands is renowned for its vibrant culture, festivals and rich literature, introducing retirees to a variety of new experiences," explained a retiree in Netherlands.

What type of recreational activities are there in The Netherlands?

"In The Netherlands, residents enjoy a variety of recreational facilities, such as parks, beaches, and sports facilities. Parks are a popular destination for locals, offering a variety of activities such as walking, cycling, and picnicking. Beaches are also a popular destination, with many offering a variety of water sports such as swimming, sailing, and windsurfing. Sports facilities are also available, with many offering a variety of activities such as tennis, football, and basketball. Additionally, many cities in The Netherlands offer a variety of cultural activities, such as museums, theatres, and cinemas," explained one retiree living in Netherlands.

Where will I buy groceries and do other shopping in The Netherlands?

"People living in The Netherlands typically buy groceries from supermarkets, local markets, and convenience stores. Other shopping can be done at department stores, specialty shops, and online retailers," explained one member in Netherlands.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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