Calculate your net pay
Estimate your net pay in Denmark: ATP and the AM contribution are taken from gross pay, then income tax — state tax on your personal income and municipal tax on your taxable income, with the personal allowance applied as a tax value. The result is an estimate based on the rates in force for 2026.
- Net, contributions and tax — clearly broken down
- No registration and no hidden costs
- In Danish and English
Quick calculation
Enter your gross salary, choose your municipality and say whether you are a member of the national church — the calculator instantly shows the net pay, the distribution and how the tax is built up. The result is an estimate for orientation, not an official decision.
Your monthly pay before tax and the AM contribution.
Choose your municipality for an exact municipal tax — otherwise the national average is used.
Assumption: a standard full-time employee (ATP A-rate), no occupational pension, no capital income, an adult over 18.
Take-home pay per month (approx.)
Take-home pay per month (approx.): 26.127,91 kr.- Net26.127,91 kr.65%
- AM contribution + ATP3.291,08 kr.8%
- Income tax10.581,01 kr.26%
- Gross salary (p/m)
- 40.000,00 kr.
- − ATP (p/m)
- 99,00 kr.
- − AM contribution (p/m)
- 3.192,08 kr.
- − Income tax (p/m)
- 10.581,01 kr.
- + Personal allowance (tax value, p/m)
- 1.668,53 kr.
- Municipality
- Landsgennemsnit (vælg din kommune for præcis sats) · 25,00 %
The calculation uses the national average municipal tax. Choose your municipality for an exact result.
Notes on this calculation (3)
The rates shown are those in force for 2026. The result is an estimate and does not replace the withholding on your payslip.
The employer’s Samlet Betaling levies (AUB, parental, AES, FerieKonto) are not a deduction from your net pay and are not included here.
Occupational pension, capital income, commuting allowance and other personal allowances are deliberately out of scope in this version.
Why two different bases?
If you work as an employee in Denmark, ATP and the AM contribution are taken from your gross pay each month, and then income tax. On your payslip you see only the net amount that is paid out.
How much you take home does not follow your gross pay linearly: the state tax is progressive in tiers, and municipal tax depends on your municipality. This calculator makes that build-up visible.
- 8,00 %
- AM contribution (2026)
- 54.100 kr.
- Personal allowance (2026)
- 25,00 %
- Municipal tax (national average)
How it works
Three steps to a first, honest estimate — no registration.
- 1
Enter salary and details
Your gross salary, your municipality and whether you are a member of the national church.
- 2
See the breakdown
ATP and the AM contribution first, then state and municipal tax, with the personal allowance as a tax value.
- 3
See your net pay
Your take-home pay per month and the full distribution, instantly and clearly.
How the monthly calculation works
From your gross pay, ATP is taken first and then the AM contribution (8,00 %). What is left is your personal income — the basis for the state tax.
The state tax begins with the bottom tax (12,01 %) and rises in tiers for high incomes; the new middle tax (7,50 %) is the first extra tier. Municipal tax is charged on taxable income — the income after the employment and job allowances.
The personal allowance (54.100 kr.) works as a tax value: it is subtracted from the calculated tax at the bottom-tax, municipal and church rate separately, and so pushes your net pay up.
Explore the tools
One page per topic, built on the rates in force for 2026.
Tax rates and brackets
The progressive state tax in four tiers and the tax ceiling.
AM contribution and ATP
The fixed ATP contribution and the AM contribution taken before income tax.
Personal allowance
The tax-free base amount, granted as a tax value.
Municipal tax
How municipal tax varies, and how church tax works.
Frequently asked questions
Answers to the most common questions about pay and tax.
About
What the tool does, where the figures come from and how it is built.
Why the same gross pay gives a different net pay
Two things confuse people most. First, the state tax is progressive in tiers: what sits above a threshold is taxed harder, so it is not one fixed percentage.
Second, municipal tax varies from one municipality to another. So the same gross pay can give a different net pay depending on where you live.
What the average tells you
For orientation, the average standard-calculated monthly pay according to Statistics Denmark is around 51.675 kr. (context, not part of the calculation). That is an average across sectors, not a typical salary.
Always compare net with net — that is the money you actually live on. Denmark has no statutory minimum wage; pay is agreed in collective bargaining (the Danish model).
Frequently asked questions
Results are estimates, not the actual withholding.
Ready?
Calculate your net pay in seconds
Enter your gross salary and see the take-home pay, the itemised distribution and how the tax is built up — no registration.