Your income and assets

We take your and/or your partner’s income into account to determine whether you can get an AIO supplement. If your net monthly income is lower than the minimum income that applies for you, we will pay you an AIO supplement to top up your income to the level of the Dutch guaranteed minimum income . The minimum income is the minimum amount needed for an acceptable standard of living.

Examples of the types of income that are taken into account for your AIO supplement:

• AOW pension
• other pensions from the Netherlands or another country
• other benefits from the Netherlands or another country
• money that you receive from renting out accommodation
• money that you have earned from work, either as an employed or self-employed person. 25% of the amount you earn is disregarded up to a maximum amount of €278 per month.
• money that your partner has earned from work. If your partner has not yet reached their AOW pension age and they are still working, 25% of the amount they earn is disregarded up to a maximum amount of €278 per month, for a maximum period of 6 months.
• tax credit refunds from the Belastingdienst
• a provisional or final income tax refund from the Belastingdienst

Rent benefit and healthcare benefit are not taken into account for your AIO supplement.

We also look at how much you have in assets. Your assets include possessions such as savings, jewellery, antiques, works of art, inheritances or cars, but not items such as household appliances, furniture, television sets or washing machines.

If you have more than €7,770 in assets, you cannot get an AIO supplement. If you live with your partner, or with a child under the age of 18, you can have up to €15,540 in assets.

If you have any debts, we deduct your debts from your assets.

If you own your own home, you may still be able to get an AIO supplement in the form of an interest-free loan.

A gift can be a sum of money you give to someone, or a house you give away or sell below market value, for example to your child. Making a gift can affect your entitlement to AIO supplement because you could also have used the money to support yourself. In that case, you would not have needed to apply for an AIO supplement.

If you made a gift in the period before you submitted your claim for an AIO supplement, we may reclaim the AIO supplement you already received—not from you, but from the person you made the gift to. Naturally, we will first look at the situation carefully and send you a letter about this.

Dutch Tax Administration (Belastingdienst) 

The Belastingdienst has its own rules for gifts, for example with respect to tax exemption. These rules differ from the rules applicable under the AIO supplement scheme. You can find more information about this on the Belastingdienst website.

A gift is something you receive from another person, for example:

• an amount of money to support yourself or pay off a debt
• a car or a television you have been given
• an allowance from a support fund

An exemption of €1,200 per year applies for gifts. If within the space of 1 year you have received gifts amounting to more than €1,200, you must inform us.

If someone else pays part or all of your bills every month, such as your rent or health insurance, you must inform us. We will then assess how much AIO supplement you are entitled to receive per month from that point on.