Nettoløn

Take-Home Planner in DK Tax year 2026 How to use ↗

Know your number — down to the kroner.

Nettoløn simplifies Danish personal income tax in English: see exactly what lands in your account after tax. Your figures are also mapped to the real forskudsopgørelse boxes, so the figures are SKAT-aligned and — as a bonus — you can export them to check against your advance statement. It covers a wide range of income and deductions, and your financial data never leaves your browser — nothing you enter is uploaded or stored.

A careful estimate to plan with — not tax advice or an official assessment. Some areas (property and foreign income especially) are intricate under Danish law; treat those figures as guidance.

1

Your income

Base pay plus everything extra — bonuses and one-offs are taxed too.

Salary
Bonus (fixed or variable), commission or extra payouts this year?
Fixed or performance/variable bonus, commission, holiday supplement, awards, severance — all taxed like salary (A-income: AM-bidrag + A-skat). Enter the amount you expect for the year.
Other income
Do you have self-employment / freelance income?
Sole proprietor profit (overskud) — taxed as personal income, you pay 8% AM-bidrag yourself · advanced
Where you live
Special tax scheme
2

Loans, interest & investments

All your interest nets into one "capital income" figure. Dividends are taxed separately.

Do you pay interest on any loans?
Mortgage, car, consumer/other loans → negative capital income · value ~33.6% under 50,000 kr, ~25% above · rentefradrag ↗
Do you earn interest or have other capital income?
Bank/bond interest, rental surplus → positive capital income (taxed with your income)
Do you own shares, ETFs or receive dividends?
Aktieindkomst · 27% up to 79,400 kr (158,800 couples), 42% above · shares ↗
Do you rent out your home, a room, or a summer house?
Rental income · standard bundfradrag method (not actual-expense accounting): bundfradrag then 60% of the excess taxed as capital income · rules ↗
＋ Foreign income & property expats — worldwide income, advanced, verify with SKAT
Advanced & treaty-dependent. As a full Danish resident you're taxed on worldwide income. Denmark taxes these, then gives credit for foreign tax you already paid (capped at the Danish tax on that income). The exact relief depends on the double-taxation treaty with each country — this is an estimate; confirm with SKAT. You must also report foreign assets even if they earn nothing.
3

Deductions — quick questions

Each "Yes" lowers your tax. We show kroner saved, not just the deduction.

Do you commute more than 12 km each way to work?
Befordringsfradrag · field 417 · max 34,400 kr/yr · rules ↗
Did you have green/energy renovations done in 2026?
Håndværkerfradrag · field 460 · max 9,000 kr/person, labour only · what qualifies ↗
Did you pay for home services (cleaning, gardening, childcare)?
Servicefradrag · field 461 · max 18,300 kr/person, labour only · rules ↗
Do you pay union dues or A-kasse?
Fagligt kontingent (cap 7,000 kr) + A-kasse (no cap) · ~26% value
Do you contribute to a pension — workplace or private?
Includes your own share of a workplace scheme (e.g. 5% of a 5+10%) and any private ratepension/livrente · reduces personal income · saves at your marginal rate (can beat 26%)
Donations to approved charities?
Gavefradrag · max 20,000 kr/yr · ~26% value
＋ Advanced deductions travel, double household, work expenses, support — most salaried people can skip these
Do you travel for work and stay away overnight?
Rejsefradrag · kost 625 kr/day + logi 268 kr/day (893 combined) · max 34,400 kr/yr · rules ↗
Do you keep a second home for work (double household)?
Dobbelt husførelse · ~400 kr/week or documented cost · temporary work far from home · rules ↗
Work-related courses, tools or work clothing you paid for?
Fradrag for arbejdstøj, kurser, faglitteratur · only your own unreimbursed costs over 7,300 kr floor (øvrige lønmodtagerudgifter) · rules ↗
Do you pay child support or spousal maintenance?
Børnebidrag (above the standard) & ægtefællebidrag · paid via official channels · rubrik 44/56
Extra employment allowances
A low-income commuting supplement (+64%) is applied automatically if your income is under 341,500 kr and you claim commuting.
4

Property tax

Optional — only if you own your home.

Do you own a home or holiday property?
2026 rules: both taxes are charged on 80% of the valuation (20% forsigtigheds­nedslag) · rules ↗
＋ Sold a property this year? capital gains — advanced, verify with SKAT
Advanced & approximate. Property-sale tax is intricate (parcelhusreglen, land size, part-business use, inheritance). This gives a rough estimate only — confirm your case with SKAT or an adviser.
YOUR MONTHLY TAKE-HOME
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Refund or owed?

Enter what you've already paid in tax this year to see if you're likely due a refund or a bill.

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Can I afford it?

Optional. Add your rent and rough monthly costs to see what's actually left to live on — the number that really matters when you're weighing a move or a job.

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Common ways to reduce your tax

Areas worth looking into for someone in your situation. Green = likely relevant to you · grey = probably not.

Signposting only — this highlights areas to explore, not what or how much to do, and is not tax or investment advice. Confirm on your forskudsopgørelse or with a qualified adviser.

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Official resources
Forskudsopgørelse ↗ 2026 tax rates ↗ Renovation deductions ↗ Capital income & interest ↗ Tax brackets ↗ tax.dk calculator ↗
Not affiliated with, endorsed by, or connected to SKAT (Skattestyrelsen) or any Danish public authority. Nettoløn is an independent, unofficial planning tool. It is not tax advice and not an official tax assessment. Figures are estimates — always confirm against your own forskudsopgørelse or with a qualified tax adviser.

Deduction values are approximate (everyday deductions ≈ your municipal rate ~26%; loan interest ≈ 33.6%/25% at the 50,000 kr threshold; pension at your marginal rate).

Found a bug or have feedback? Email [email protected] — please don't include personal salary figures, just the issue.

Nettoløn — Danish Take-Home Planner · v2.0 — the official version lives at nettolon.dk, kept up to date each tax year. © 2026 Nettoløn. All rights reserved — not for redistribution or resale. Copies elsewhere are unofficial and won't receive rate updates.