How to use it

Use your current 2026 tax card and the cash salary on your payslip. Choose hovedkort or bikort, then add your own pension and ATP if they apply. The monthly allowance is not your annual personal allowance divided by 12.

Try a worked example

Example, not a recommended tax card: DKK 30,000 salary, 38% withholding and DKK 5,000 monthly allowance, with no pension or ATP, gives DKK 19,012. AM is DKK 2,400 and income tax is DKK 8,588.

In 2026, AM contribution is due from 1 January if you turn 18 at any point during the year.

This version does not track remaining free-card allowance. Use the official tax service for frikort rather than entering a guessed monthly amount.