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Employees · Leave and career breaks

Time credit 2026: NEO allowance and net pay at one-fifth or half-time

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Calculate your net pay on time credit

On end-of-career time credit, the National Employment Office (NEO) pays €299.47 gross a month to a cohabitant on a one-fifth reduction, €361.39 to a single person and €644.72 at half-time (amounts as of 1 March 2026, indexed by 2% in September). In 2026, you need to be 60 and have 31 years of career as a man, 26 as a woman.

A cohabiting white-collar worker on €3,500 gross who moves to four-fifths at the end of their career receives €2,262.77 net a month, instead of €2,400.40. Time credit with a reason (caring for a child or a relative, training) also gives entitlement to an allowance, for 36 to 51 months.

Calculate your net pay on time credit

Choose the type of time credit and the option, and enter your salary. Nothing is sent: everything is calculated in your browser.

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End-of-career time credit: 2026 amounts

OptionGross as of 1 March 2026Estimated gross since September 2026Withholding tax
Half-time (starting from full time)€644.72€657.6117.15% (single) or 35%
One-fifth reduction, single worker€361.39€368.6217.15% with a dependent child, otherwise 35%
One-fifth reduction, cohabiting worker€299.47€305.4635%
Monthly NEO allowance. September 2026: Indexo estimate, + 2% indexation. The NEO deducts 17.15% or 35% withholding tax (bedrijfsvoorheffing / précompte professionnel) depending on your family situation.

NEO amounts as of 1 March 2026, then indexed by 2% in September 2026: the exact September amounts are to be confirmed on the NEO website.

In joint committee 200 (white-collar workers), the Social Fund adds a bonus of €92.45 gross a month to end-of-career time credit on a one-fifth reduction, until 30 June 2029, on request with the NEO certificate.

Full-time grossUsual netOne-fifth, cohabitantOne-fifth, singleHalf-time, cohabitant
€3,000€2,261.33€2,148.17€2,189.22€1,786.67
€3,500€2,400.40€2,262.77€2,303.82€1,912.86
€4,000€2,614.26€2,457.27€2,498.32€2,082.98
€5,000€3,051.72€2,812.81€2,853.86€2,345.80
White-collar worker with no dependent children. Monthly net: part-time salary (Indexo engine, parameters as of 1 October 2026) and estimated net allowance.

End of career or with a reason: the conditions

End of careerWith a reason
Age60 years (55 years under some schemes, until 30 June 2029)No age requirement
Career2026: 31 years (men), 26 years (women); 2027: 32 and 27 yearsNo career requirement
Seniority with the employer24 months24 months, 36 for caring for a child
Duration of the allowancesUntil retirement48 months (child), 51 months (other care), 36 months (training)
OptionsHalf-time or one-fifth reductionFull-time, half-time or one-fifth reduction
Conditions for receiving an NEO allowance in the private sector (CLA No. 103).

Recognised reasons: caring for a child under 8 (under 5 for full-time time credit), for a disabled or seriously ill child, for a seriously ill relative, palliative care, recognised training. Since 2026, a full-time job spread over fewer than 5 days can also move to four-fifths if an agreement provides for it.

The 2026 amounts for time credit with a reason are not yet included here: the tool asks you for the amount in your NEO decision.

Pension, holiday, illness

  • Pension: time credit with a reason is assimilated (treated as worked) on the basis of a normal notional salary; end-of-career time credit, on a limited notional salary. The pension reform under discussion in 2026 could limit these periods: check on MyPension.
  • Holiday: days of time credit do not count towards next year’s holiday. Holiday pay will be lower.
  • Illness: on part-time time credit, your benefits are reduced pro rata; during a full break, you are not entitled to them.

Parental leave, the most requested type of thematic leave, has its own page. To compare with a simple switch to four-fifths without an allowance: what if I switch to four-fifths?

Useful links

  • NEORates, conditions and allowance applications for time credit and thematic leave.
  • MyPensionYour career and your assimilated periods.

Frequently asked questions

How much do you get on end-of-career time credit on a one-fifth reduction?

€299.47 gross a month for a cohabitant, €361.39 for a single person, as of 1 March 2026, then about 2% more since September. Your four-fifths salary comes on top: on €3,500 gross, a cohabitant receives €2,262.77 net a month in total.

At what age can you take end-of-career time credit?

At 60 as a general rule, with 31 years of career for men and 26 for women in 2026 (one more year each year until 2030). Some schemes allow you to start at 55 until 30 June 2029: long career, arduous job, company in difficulty.

Does time credit reduce my pension?

Paid periods are assimilated (treated as worked): time credit with a reason on a normal notional salary, end-of-career time credit on a limited notional salary, so slightly lower. The 2026 pension reform could change these rules.

What is the difference with parental leave?

Parental leave is a type of thematic leave: it only requires 12 months’ seniority and can be taken until the child turns 12. Time credit with the reason ‘caring for a child’ comes on top, until the child turns 8, with 36 months’ seniority.

What next?

Sources

Parameters in force on 1 October 2026. Each parameter links to its source, the official one where it exists; a secondary source is flagged as such.