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Guides to Danish pensions and drawdown

The Danish pension reality, explained one decision at a time: the ages, the pension types, the payout order and the tax on returns — the rules NestEgg calculates with.

  • When can I retire?

    The Danish state pension age by birth year, the earliest payout age for private pensions — and the calculation that decides whether you can stop earlier.

  • Instalment pension or life annuity?

    The difference between the Danish ratepension, livrente and aldersopsparing: payout period, tax on payouts and the state pension supplement taper — and what the choice means for your drawdown.

  • The payout order

    Which savings should you spend first? The payout order changes the monthly after-tax amount — tax brackets, the state pension taper, and why rules of thumb don’t always hold.

  • State pension and offsetting

    The folkepension’s base amount and supplement: which income is offset, the 2026 taper rates for singles and couples — and what that means for when you start your payouts.

  • PAL tax and ASK

    The same return is taxed very differently: 15.3% PAL tax in pension accounts, 17% on the aktiesparekonto, 27/42% as share income — and what that means for where your savings should sit.

See the answer for your own household

Import your PensionsInfo reports and NestEgg calculates when you can stop and what you can spend per month — Danish tax included, all the way.

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