Consulting for individuals

In Denmark, laws and official matters can be quite complicated and difficult to understand. With our help, you will be able to gain a smooth income settlement, obtain the necessary documents, take advantage of Danish tax benefits and deal with many other issues. We offer a wide range of private consulting services, tailoring our services to the individual needs of each client.

Comprehensive support for residents and employees in Denmark

We provide full support for individuals wishing to move or already living and working in Denmark, helping with key paperwork.

For individuals who are new to Denmark, we offer assistance with the following:
- Obtaining a residence permit (SIRI) and assistance with registering in Denmark.
- Obtaining a CPR number.
- Immigration procedures to Denmark, including SIRI, CPR, Skattekort and others.
- Obtaining or changing a tax card (skattekort).
- Obtaining a yellow insurance card (sunhedskort).

For individuals residing in Denmark, we offer advice in:
- Filing applications and appeals.
- Filing applications for re-registration.
- Settling taxes.
- Applying for health insurance cards.
- Filing applications for benefits.
- Completing applications for feriepenge payments.

For those who are terminating or have already terminated their employment in Denmark, we provide support on issues such as:
- Settlement of all formalities related to the termination of residence in Denmark.
- Checking out and terminating tax liability.
- Obtaining payment of pension contributions after leaving Denmark permanently.

Assistance in ensuring compliance with Danish tax regulations

One of the most important issues is managing your tax obligations effectively. We enable you to focus on your priorities by offering support with local tax laws and ensuring compliance with Danish regulations.

As part of our tax consulting services, we offer:
- Ensuring compliance with applicable laws.
- Assistance in understanding Danish tax regulations.
- One-on-one tax consulting.

Guidance for newcomers: registration, CPR number, NemID/MitID and e-Boks setup

Moving to Denmark means dealing with a few key registrations before you can work, receive salary, open a bank account or access public services. We help you go through each step of the process – from obtaining your CPR number to setting up MitID and e-Boks – so that you become fully integrated into the Danish system as quickly and smoothly as possible.

Depending on your situation, the procedure and documents will differ: EU/EEA citizens, Nordic citizens and non‑EU nationals are subject to different rules regarding residence and work permits. We start by analysing your status (employee, student, job seeker, accompanying family member, cross‑border worker) and then prepare a clear action plan with realistic timelines.

Registration and CPR number

The CPR number is your personal identification number in Denmark and is required for almost everything: employment contracts, salary payments, access to the public health system, tax registration, mobile subscriptions and many other services. In most cases, you must register your address with the local municipality (kommune) and apply for a CPR number if you plan to stay in Denmark for more than 3 months as an EU/EEA citizen, or more than 6 months as a Nordic citizen. Non‑EU citizens usually need a valid residence and work permit before CPR registration.

We guide you through the full CPR process, including:

• Checking which type of residence documentation you need (EU registration certificate, residence card, etc.)
• Preparing the required documents such as passport, employment contract, housing contract and marriage or birth certificates for family members
• Booking appointments with the relevant authorities (SIRI, International Citizen Service or local borgerservice)
• Explaining how CPR registration affects your tax status, health coverage and access to other public services

We also assist cross‑border workers who may be eligible for a special tax registration without full CPR, and explain how this impacts their tax obligations and access to benefits.

NemID and MitID

Digital identification is essential in Denmark. NemID is being phased out and replaced by MitID, which is now the primary digital ID used for online banking, communication with authorities, signing contracts and accessing self‑service portals such as skat.dk. Without MitID, it is practically impossible to manage your tax affairs, apply for benefits or handle many everyday tasks.

We help you understand which solution you need and how to obtain it. This includes:

• Explaining the difference between NemID and MitID and the current transition rules
• Assisting with the initial MitID setup once you have a CPR number and valid ID
• Guidance on using the MitID app, security codes and recovery options if you lose access
• Support for foreign passports and documentation that may require additional verification

For clients who still use NemID for certain services, we clarify where it is still accepted and how to move fully to MitID to avoid access problems in the future.

e-Boks and digital mail from authorities

In Denmark, most official communication is digital. Once you have a CPR number, you are generally required to receive mail from public authorities electronically via e‑Boks or another approved digital mailbox. This includes letters from the tax authority (Skattestyrelsen), your municipality, health services, pension providers and many other institutions.

We support you in:

• Activating your e‑Boks and linking it correctly to your CPR number and MitID
• Configuring language preferences and notifications so that you do not miss important deadlines or tax letters
• Understanding which documents you will receive in e‑Boks, such as annual tax statements, preliminary tax assessments, pension overviews and benefit decisions
• Organising and storing your digital documents in a way that makes future tax reporting and communication with authorities easier

End‑to‑end support for your first months in Denmark

Our consulting for newcomers is not limited to filling in forms. We explain how each registration step – CPR, MitID and e‑Boks – affects your tax situation, access to healthcare, social security and future pension rights. We coordinate the sequence of applications so that you can start work, receive salary, pay the correct tax and use Danish public services without unnecessary delays or penalties.

Whether you are arriving alone, with a family or as a cross‑border commuter, we provide clear, practical guidance in English and help you avoid typical mistakes that can lead to incorrect tax assessments, missed deadlines or loss of benefits.

Optimization of personal tax: deductions, allowances and cross-border income

Effective tax optimization in Denmark starts with a correct assessment of your overall situation: your income sources, family status, residence status and any cross-border connections. We help you understand how Danish tax rules apply to you and how to use available deductions and allowances so that you do not overpay tax, while remaining fully compliant with Skattestyrelsen (SKAT).

Understanding your Danish tax position

In Denmark, most employees pay tax through the skattekort (tax card) and monthly withholding. The total tax burden typically includes municipal tax (around 24–27% depending on municipality), health contribution (sundhedsbidrag, included in municipal tax), state tax and, for higher incomes, top-bracket tax. In addition, there is a mandatory labour market contribution (AM-bidrag) of 8% calculated on most earned income before other taxes.

We verify that your preliminary income assessment (forskudsopgørelse) is correct and that your final tax assessment (årsopgørelse) reflects all relevant deductions. This is especially important if you change job, move municipality, receive bonuses, stock options or income from abroad during the year.

Key personal deductions and allowances

Danish tax law offers a number of standard deductions that can significantly reduce your taxable income when used correctly. We review and optimize, among others:

• Employment-related deductions – including work-related travel deduction (befordringsfradrag) for commuting distances typically above 24 km per day (round trip), calculated per kilometre according to current SKAT rates.
• Interest expenses – interest on mortgages, consumer loans and student loans can usually be deducted as capital income, affecting your overall tax rate.
• Union and unemployment fund fees – membership fees for approved trade unions and a-kasse (unemployment insurance funds) are deductible up to the annually set limit.
• Pension contributions – contributions to approved pension schemes (e.g. employer pension, ratepension, livrente) often provide tax benefits, subject to annual contribution ceilings and scheme type.
• Charitable donations – gifts to approved organisations are deductible up to a yearly maximum amount per person, provided the organisation reports the donation to SKAT.

We also check whether you are entitled to special allowances, for example for single parents, certain disability-related deductions or deductions linked to maintenance payments, and ensure they are correctly registered in your tax profile.

Optimizing tax for cross-border income

If you work in Denmark but have income, property or family ties abroad, your tax situation becomes more complex. Denmark taxes residents on worldwide income, but double taxation agreements and specific rules can reduce the overall burden when income is earned in another country.

Our support includes:

• Clarifying whether you are fully tax resident, limited tax liable or subject to special regimes (for example, researcher tax scheme if applicable to your situation).
• Analysing salary, business income, rental income, pensions and investment income received from abroad and how it interacts with Danish tax rules.
• Applying relevant double taxation treaties to determine which country has primary taxing rights and whether credit or exemption methods apply in Denmark.
• Ensuring foreign tax paid is correctly credited in your Danish tax return, within the limits set by Danish law and the applicable treaty.
• Advising on cross-border commuting, short-term assignments and remote work arrangements, including the risk of creating a permanent establishment or tax liability in another country.

We also assist with documentation requirements for foreign income and foreign tax paid, so that SKAT accepts your calculations and you avoid unnecessary reassessments.

Planning ahead and avoiding unexpected tax bills

Tax optimization is most effective when done proactively. We help you adjust your preliminary tax assessment during the year if your income, deductions or family situation change, so that monthly withholding is as accurate as possible. This reduces the risk of a large underpayment at year-end and helps you plan your net income and savings.

Our consulting for individuals combines practical knowledge of Danish tax rules with a clear explanation in plain language. You receive concrete recommendations on which deductions to claim, how to structure your income and how to handle cross-border aspects, so that your Danish tax is optimized and predictable from year to year.

Support for foreign workers: double taxation agreements and home-country reporting

Working in Denmark while having financial ties to another country often raises concerns about double taxation and complex reporting duties. We help foreign employees, contractors and cross-border commuters understand how Danish rules interact with the tax system in their home country, so that the same income is not taxed twice and all obligations are correctly fulfilled.

Denmark has concluded double taxation agreements (DTAs) with many countries, including most EU and EEA states as well as a wide range of non-European jurisdictions. These treaties determine where your salary, pension, business income, rental income and investment income should be taxed, and whether the other country must grant an exemption or a tax credit. We analyse your specific situation based on residence status, length of stay, type of income and your home-country rules, and then apply the relevant treaty provisions to minimise double taxation risk.

For employees who become tax residents in Denmark, worldwide income is generally taxable here once you meet the residence criteria or stay in Denmark for more than 6 consecutive months. At the same time, your home country may still treat you as tax resident or require you to file a return because of your citizenship, property ownership or family ties. We clarify your Danish residency status, explain how the tie-breaker rules in the applicable DTA work, and help you document your centre of vital interests to the authorities when needed.

We also assist with the practical side of home-country reporting. Many foreign workers in Denmark must continue filing annual tax returns or information forms in their country of origin, even if most or all of their income is taxed in Denmark. We prepare overviews of your Danish income, tax withheld (A‑skat and AM‑bidrag), pension contributions and deductible expenses in a format that can be used for foreign tax returns. Where relevant, we identify which Danish taxes can be credited abroad and which income should be exempt under the treaty, reducing your final tax burden.

If you are covered by special Danish schemes, such as the expat tax regime with a flat 27% tax on salary plus 8% labour market contribution for a limited period, we explain how this interacts with your home-country rules and whether the reduced Danish tax can still be credited. We also review cross-border situations such as working partly in Denmark and partly in another country, remote work from abroad for a Danish employer, or being employed in one country while physically performing work in another.

Throughout the process, we communicate with the Danish Tax Agency (Skattestyrelsen) on your behalf when clarifications are needed, and we coordinate with your home-country advisor if you already have one. Our goal is to ensure that your income is taxed only where it should be, that you meet all filing deadlines in both countries, and that you have clear documentation in case of questions or audits from either tax authority.

Assistance with SKAT correspondence, audits and appeals of tax decisions

Communication with the Danish Tax Agency (SKAT) can be challenging, especially if you are not familiar with Danish tax rules or the language used in official letters. We support you at every stage of contact with SKAT – from understanding simple messages in your e-Boks to representing you in complex tax audits and appeals against tax assessments.

We start by reviewing all letters and decisions you receive from SKAT, including preliminary tax assessments (forskudsopgørelse), annual tax statements (årsopgørelse), reminders, collection notices and audit notifications. We explain in clear English what SKAT is asking for, what the deadlines are and what the potential financial consequences may be, for example additional tax to pay, interest or surcharges.

If SKAT requests documentation, we help you collect and prepare the necessary evidence, such as salary slips, annual statements from employers, bank account overviews, mortgage and loan statements, pension contributions, documentation of work-related expenses, commuting costs or cross-border income. We make sure that the information you submit is complete, consistent and presented in the format expected by SKAT, reducing the risk of misunderstandings and follow-up questions.

In the case of a tax audit, we guide you through the entire process. We clarify the scope of the audit, whether it concerns your salary income, self-employment, rental income, securities, cryptocurrency, foreign bank accounts or other assets. We help you respond to SKAT’s questions within the required deadlines and, if needed, communicate directly with SKAT on your behalf based on a written power of attorney. Our goal is to protect your rights as a taxpayer while maintaining a constructive dialogue with the authorities.

We also verify whether SKAT’s decisions are correct and in line with current Danish tax rules, including the applicable municipal and state tax rates, labour market contribution (AM-bidrag) of 8%, top tax thresholds, rules for tax-free travel allowances, deductions for commuting, interest expenses, union fees, unemployment insurance, as well as special schemes for foreign workers such as the 27% or 32% expat tax regime. If we identify errors or missing deductions, we prepare a request for correction or a formal objection.

When you disagree with a tax decision, we assist you in preparing and filing an appeal. We structure your case, calculate the correct tax based on the available documentation and current rates, and draft a clear argumentation referring to Danish tax legislation, administrative practice and relevant guidance from SKAT. We monitor all deadlines for appeals and ensure that your case is submitted on time to the appropriate authority, such as the Tax Appeals Agency.

Throughout the process, we focus on minimising your tax risk and avoiding unnecessary penalties. We inform you about possible late-payment interest, surcharges for incorrect or missing information and options for voluntary correction of past tax years if you have previously omitted income or deductions. Our support is tailored to your situation – whether you are an employee, freelancer, sole trader, student, pensioner or cross-border worker with income in more than one country.

By entrusting us with your correspondence, audits and appeals related to SKAT, you gain peace of mind that your case is handled professionally and in accordance with current Danish tax regulations. You avoid costly mistakes, save time and can focus on your work and everyday life in Denmark, knowing that your tax matters are under control.

Advisory on social security, pension schemes and ATP contributions in Denmark

Understanding Danish social security, pension schemes and ATP contributions is essential for anyone working or living in Denmark. We help you navigate the rules, check whether your employer is paying the correct contributions and make sure you build up the rights you are entitled to – both as an employee and as a self-employed person.

Social security coverage in Denmark

In Denmark, social security is mainly financed through general taxation, but certain contributions and registrations are still required. We explain your status under Danish rules and EU regulations, including whether you should be covered by Danish social security or remain insured in another country based on A1 certificates and posting rules.

Our support includes:

• Assessing where you are socially insured when you work in more than one country
• Explaining your rights to healthcare, unemployment benefits and family benefits
• Assisting with documentation for Danish and foreign authorities
• Clarifying the impact of part-time work, multiple employers or self-employment

ATP – the Danish Labour Market Supplementary Pension

ATP (Arbejdsmarkedets Tillægspension) is a mandatory supplementary pension for most employees in Denmark. Contributions are shared between employer and employee and are usually deducted automatically from your salary.

We help you:

• Check whether you are correctly registered with ATP as an employee or as a person receiving certain public benefits
• Verify that ATP contributions on your payslips match your working hours and employment type
• Understand how ATP contributions accumulate into a lifelong pension, how it is paid out and how it is taxed
• Clarify what happens to your ATP rights if you move to or from Denmark

Employer-funded and occupational pension schemes

Most employees in Denmark are covered by an occupational pension scheme through their employer or collective agreement. Typical total contributions often range from around 12% to 18% of your salary, with the employer usually paying the larger share.

We advise you on:

• Understanding your pension plan: contribution rates, risk profile and insurance coverage (e.g. disability and life insurance)
• How pension contributions reduce your taxable income and how they are taxed when paid out
• Differences between labour-market pension schemes, company pension schemes and individual agreements
• What happens to your pension savings if you change jobs, become unemployed or leave Denmark

Private pension savings and tax deductions

In addition to ATP and occupational pensions, you can build up private pension savings with tax advantages. The tax treatment depends on the type of product, for example lifelong annuity, time-limited annuity or lump-sum pension.

Our consulting covers:

• Choosing between different pension products based on your age, income level and plans to stay in Denmark
• Using available tax deductions and understanding annual contribution limits
• Coordinating Danish pension savings with pension rights from other countries
• Planning pension withdrawals to avoid unnecessary tax and to secure long-term income

Support for foreign workers and mobile professionals

Foreign employees and cross-border workers often face additional complexity. You may pay into Danish ATP and pension schemes while also having rights in your home country.

We help you:

• Determine how Danish social security and pension rules interact with those of your home country
• Understand the effect of totalisation agreements and EU coordination rules on your future pension
• Document your Danish contributions when you apply for benefits or pensions abroad
• Plan your stay in Denmark so that you do not lose valuable pension or social security rights

Ongoing monitoring and communication with authorities

Rules on social security and pensions are regularly updated. We monitor changes that affect employees, freelancers and self-employed persons in Denmark and adjust our advice accordingly.

As part of our service, we can:

• Review your payslips and annual statements to identify missing or incorrect contributions
• Communicate with ATP, pension providers and Danish authorities on your behalf
• Assist with corrections, claims and applications related to social security and pension rights
• Provide clear, written explanations of your situation that you can use for future reference

Our goal is to give you a complete overview of your social security and pension position in Denmark, so you can make informed decisions about work, savings and long-term financial security.

Consulting on family-related benefits: child benefits, parental leave and SU for students

Family-related benefits in Denmark are generous, but the rules can be complex, especially for foreigners or cross-border families. We help you understand your rights to child benefits, parental leave compensation and SU for students, and make sure you receive the amounts you are entitled to without risking repayments or conflicts with Udbetaling Danmark or SKAT.

Child benefits (børne- og ungeydelse)

Child benefits in Denmark are paid quarterly for each child with legal residence in Denmark and covered by Danish social security. The amount depends on the child’s age and is reduced for high household income. We explain the conditions for entitlement, including residence, EU coordination rules and situations where only one parent works in Denmark.

We support you with:

• Checking whether you qualify for Danish child benefits or only for a supplement due to benefits from another EU/EEA country
• Assessing which country has primary responsibility for paying benefits in cross-border situations (e.g. one parent working in Denmark, the other in another EU country)
• Applying for child benefits and reporting changes such as moving abroad, separation, change of custody or change of workplace
• Verifying income thresholds and calculating potential reductions based on your expected personal income
• Handling letters and repayment claims from Udbetaling Danmark and preparing objections if the decision is incorrect

We also advise on how child benefits interact with other Danish family benefits and with tax, so you can plan your family finances more accurately.

Parental leave and maternity/paternity benefits

Danish rules on maternity, paternity and parental leave combine employment law and public benefits. The length of leave and the level of compensation depend on your employment status, collective agreement and your attachment to the labour market before the birth or adoption.

Our consulting covers:

• Overview of your total leave entitlement as a mother, father/co-mother or adoptive parent, including earmarked weeks and sharable weeks
• Assessment of eligibility for parental benefits (dagpenge) from Udbetaling Danmark based on your working hours and income in the qualifying period
• Planning the distribution of leave between parents to optimise both income and time at home with the child
• Coordinating leave plans with your employer, including notice periods, documentation and any collective agreement rules
• Assistance with applications for maternity/paternity and parental benefits, extensions, changes and partial leave (e.g. part-time work combined with benefits)
• Clarifying how leave and benefits affect your tax, holiday entitlement and pension contributions

We also help international employees and their partners understand how Danish parental leave rules interact with rules in their home country and with cross-border employment.

SU for students and student-related benefits

The Danish State Educational Grant (SU) system offers monthly support to students in approved programmes, but the conditions differ for Danish citizens and for foreign nationals. Income limits, study activity requirements and rules on working alongside studies are strictly monitored.

We assist with:

• Checking eligibility for SU for EU/EEA citizens and third-country nationals, including work requirement and residence conditions
• Explaining the difference between SU for youth education and higher education, and how many SU “klip” you have available
• Planning your annual income so you do not exceed the SU income limit (fribeløb) and avoid having to repay SU
• Clarifying the tax treatment of SU, SU loans and student jobs, including holiday pay and employer benefits
• Assistance with SU applications, changes of programme, leave from studies and reporting of income to avoid errors
• Advisory on combining SU with other benefits, such as housing benefits (boligstøtte) or family benefits, in a tax-efficient way

Our goal is to give you clear, practical guidance so that your family can use the Danish welfare system safely and efficiently. We translate complex regulations into concrete steps, prepare the necessary applications and help you communicate with Danish authorities, so you can focus on your family and studies instead of paperwork.

Support in choosing the optimal form of employment: employee, freelancer or sole trader

Choosing the right form of employment in Denmark has a direct impact on your tax burden, social security coverage, pension savings and administrative obligations. We help you compare the options of being an employee, freelancer (self-employed without a registered company) or sole trader (enkeltmandsvirksomhed), so that your choice matches your income level, risk profile and long‑term plans.

As an employee, your employer withholds tax (A‑skat) and labour market contribution (AM-bidrag) directly from your salary and reports everything to Skattestyrelsen. You are covered by ATP, holiday pay rules and, in many cases, collective agreements that regulate working hours, overtime and pension contributions. This model is usually the simplest from a compliance perspective: you do not issue invoices, do not charge VAT and do not keep business accounts. We analyse your employment contract, check whether your tax card is set correctly and verify that your deductions (for example, commuting or trade union fees) are properly reflected in your annual tax assessment.

Working as a freelancer or sole trader gives you more flexibility but also more responsibility. In Denmark, you are considered self‑employed if you carry out an independent economic activity at your own risk and with several clients. In that case you pay tax on your business profit instead of a regular salary. You are responsible for registering your activity with the Danish Business Authority (Virk), reporting income to Skattestyrelsen and, if your annual turnover exceeds the current VAT registration threshold, charging and settling Danish VAT (moms) on your invoices. We explain the differences between operating as a small, unregistered freelance activity and registering a full sole proprietorship, including the impact on your personal liability and access to deductions.

Our consulting includes a detailed comparison of the tax and social security consequences of each option. We calculate your expected net income as an employee versus as a self‑employed person, taking into account Danish income tax brackets, the 8% labour market contribution, municipal and church tax, as well as the top tax on higher incomes. For self‑employed clients we show how business expenses, depreciation and home‑office costs can reduce taxable profit, and when it is advantageous to opt for the business tax scheme (virksomhedsordningen) or capital return scheme (kapitalafkastordningen). We also review your coverage in terms of unemployment benefits (A‑kasse), sickness benefits, maternity and paternity leave, and voluntary insurance options that may be necessary when you are not in standard employment.

Beyond pure taxation, we look at practical aspects of your work model. For employees, we help assess whether a Danish employment contract or a foreign contract with work performed in Denmark is more beneficial, and how this affects your tax residence and social security affiliation. For freelancers and sole traders, we advise on drafting contracts with clients, setting hourly rates that reflect Danish cost levels and tax obligations, and planning cash flow to cover VAT and tax prepayments. If you work across borders, we also consider double taxation agreements and the risk of creating a permanent establishment in another country.

Based on your profession, income forecasts and family situation, we prepare a clear recommendation on whether you should remain an employee, transition to freelancing, or register a sole proprietorship. We then guide you step by step through the chosen path: updating your tax card, registering or deregistering a business, setting up simple bookkeeping, and preparing for your first tax return as an employee or self‑employed person in Denmark.

Relocation and exit consulting: tax implications of moving to or leaving Denmark

Moving to or from Denmark has direct consequences for your tax residence, reporting duties and the way your income and assets are taxed. We help you plan your relocation or exit so that you pay the correct amount of tax, avoid double taxation and meet all deadlines with the Danish Tax Agency (Skattestyrelsen).

When you arrive in Denmark, you normally become fully tax liable from the date you move here with the intention to stay for at least 6 months. Full tax liability means that your worldwide income is, as a rule, taxable in Denmark. If you stay for less than 6 months, you are usually limited tax liable only on certain Danish-source income, such as salary for work performed in Denmark, rental income from Danish property or certain pensions.

On departure, your full tax liability typically ends on the day you move out and no longer have a home available in Denmark. However, if you keep a dwelling at your disposal or spend significant time in Denmark, you may still be considered tax resident. We analyse your specific situation, including family ties, housing and work pattern, to determine the exact date when your Danish tax residence starts or ends and how this interacts with the rules in your new or former country of residence.

Relocation often triggers questions about exit taxation and the treatment of your assets. In Denmark, certain shares and financial instruments can be subject to exit tax if you have been fully tax liable for at least 7 out of the last 10 years and you move your tax residence abroad. We help you identify whether your shareholdings or other investments fall under these rules, calculate potential exit gains and consider available options such as deferral of payment or providing security to the tax authorities where possible.

We also review the tax treatment of your salary, bonuses, stock options and other employment benefits when you move. This includes split-year taxation, where your income in the year of arrival or departure may be taxed differently before and after the date of tax residence change. If you are covered by the Danish expat tax scheme (27% flat tax on employment income plus labour market contributions for up to 7 years), we advise you on how a relocation or early exit affects your eligibility and final tax position.

Cross-border moves frequently involve double taxation agreements between Denmark and other countries. These treaties allocate taxing rights on salary, business income, pensions, real estate, dividends and interest. We use the relevant treaty to clarify in which country your income should be taxed after your move, how to avoid double taxation through exemptions or foreign tax credits, and what documentation you need to keep for both Danish and foreign tax authorities.

Owning property in Denmark or abroad adds another layer of complexity. We advise on tax when you rent out or sell Danish real estate before or after moving, including capital gains, rental income and the impact on your annual property-related taxes. If you keep a home in Denmark while living abroad, we explain how this affects your tax residence and what reporting obligations you have in Denmark and in your new country.

Social security and pension schemes are also affected by relocation. We help you understand whether you remain covered by Danish social security or switch to another country’s system, how this influences your ATP contributions and other mandatory payments, and what happens to your Danish pension savings when you move. This includes guidance on taxation of pension payouts in Denmark versus abroad and the effect of tax treaties on your future benefits.

As part of our relocation and exit consulting, we assist with all necessary registrations and deregistrations, including updates to the Danish civil registration, tax cards and preliminary income assessments. We prepare or review your final Danish tax return, ensure that foreign income is correctly reported for the part of the year you are still tax resident, and handle correspondence with Skattestyrelsen if your move triggers questions, audits or additional documentation requests.

Our goal is to give you a clear overview of the tax implications of moving to or leaving Denmark, reduce unexpected tax bills and ensure that your transition between countries is as smooth and compliant as possible.

Assistance with property-related taxes: rental income, sale of real estate and boligskat

Owning or renting out property in Denmark comes with specific tax rules that differ depending on whether the property is your main home, a summer house, or a pure investment. We help you understand how Danish property taxation works, how to report income correctly to Skattestyrelsen (SKAT), and how to avoid penalties or double taxation.

Boligskat and property valuation

Property tax in Denmark is based on the public property valuation and consists mainly of two elements: the municipal land tax (grundskyld) and, for owner-occupied homes, the owner-occupied residence tax (ejendomsværdiskat). The valuation system has been undergoing reform, and new valuations are gradually being introduced. We explain how the current valuation affects your boligskat, what transitional rules apply, and how to check whether your assessment is correct.

If you disagree with a valuation, we guide you through the appeal options, documentation requirements and deadlines, so that your boligskat reflects the real value and use of your property.

Taxation of rental income

Rental income from Danish property is taxable in Denmark, even if you are a non-resident landlord. The tax treatment depends on whether you rent out your main home, a room in your home, a summer house or an investment property, and whether you use standard deductions or actual expenses.

We help you choose the most beneficial method of taxation, taking into account:

• short-term rentals via platforms (e.g. Airbnb) versus long-term tenancy agreements
• eligibility for standard deductions and thresholds for tax-free or partially tax-free income
• deductible costs such as maintenance, utilities, insurance and interest on mortgage loans
• VAT implications for extensive or professional letting activity

We also ensure that your rental income is correctly reported in your annual tax return, that advance tax (B-tax) is set at a realistic level, and that any foreign tax on the same income is properly credited under double taxation agreements.

Sale of real estate and capital gains

When selling property in Denmark, the gain may be tax-free or taxable depending on how the property was used and for how long you owned it. The so‑called “parcel house rule” can exempt the sale of your main home from tax if specific conditions are met. Investment properties, second homes and some summer houses are usually subject to capital gains tax.

We advise you on:

• whether your sale qualifies for tax exemption as a primary residence
• calculation of taxable gain, including acquisition costs, documented improvements and selling expenses
• the impact of currency fluctuations if you bought or financed the property in a foreign currency
• reporting deadlines and how the gain is integrated into your overall Danish tax

If you are tax resident abroad but sell Danish property, we clarify your Danish tax obligations and coordinate with your home-country rules to avoid double taxation.

Support for cross-border property owners

Many foreign employees and individuals living partly in Denmark own property in more than one country. This often creates complex questions about where rental income and capital gains should be taxed and how to apply double taxation treaties.

We analyse your specific situation, including tax residence, length of stay in Denmark and the location of your properties. Based on this, we design a compliant and tax‑efficient approach to:

• declaring foreign rental income and property gains in Denmark where required
• claiming foreign tax credits and using treaty provisions correctly
• coordinating Danish boligskat with property taxes abroad

Whether you are buying, renting out or selling property in Denmark, we provide ongoing consulting, from the first investment decision to the final tax return, so that your property-related taxes are predictable, transparent and fully compliant with Danish regulations.

Individual budgeting and financial planning in the Danish cost-of-living context

Living in Denmark means planning your finances in a high-cost environment, where taxes, housing and everyday expenses can significantly impact your budget. We help you build a realistic personal budget, understand your net salary after Danish tax, and make informed decisions about savings, insurance and long-term financial goals.

Our consulting starts with a detailed overview of your income and fixed costs. We analyse your payslips, tax card (skattekort) and preliminary tax assessment (forskudsopgørelse) to estimate your monthly net income after Danish income tax, labour market contribution (AM-bidrag) and municipal tax. We then compare this with your regular expenses such as rent, utilities, transport, childcare, insurance and loan instalments to create a clear and sustainable budget.

We explain how the Danish tax system affects your disposable income. This includes the 8% labour market contribution, municipal and church tax rates typically ranging from about 22% to 27%, and the state tax brackets, where income above the lower threshold is taxed with a medium state tax and income above the higher threshold with a top tax. We also take into account the personal allowance, which reduces your taxable income, and relevant deductions such as commuting, trade union fees and unemployment insurance contributions.

Because housing is often the largest expense in Denmark, we help you compare the financial impact of renting versus buying. For tenants, we consider rent levels in your municipality, deposit requirements and heating costs. For homeowners, we review mortgage interest, property tax (ejendomsskat), housing value tax (boligskat) and maintenance costs, and show how mortgage interest deductions influence your overall tax burden.

We also focus on building financial security in the Danish context. This includes planning contributions to pension schemes (employer pension, private pension and ratepension), understanding ATP contributions and evaluating whether additional private insurance (health, accident, income protection) is justified given your risk profile and family situation. We show how pension contributions can be tax-deductible within current Danish limits and how they affect your net income today versus your retirement income in the future.

For families, we integrate child-related costs and benefits into your budget. We take into account daycare fees, school and activity costs, as well as public benefits such as child and youth benefits and parental leave schemes. For students and young professionals, we help balance study-related expenses, SU grants or student jobs with rent and living costs, so that you can avoid unnecessary debt and still build an emergency fund.

If you have cross-border income or assets abroad, we include these in your financial plan. We assess how foreign income is taxed in Denmark under double taxation agreements, how to report foreign bank accounts, investments or property, and how this influences your Danish tax and available cash flow. This is particularly important for expats, posted workers and individuals who plan to move to or leave Denmark.

Our goal is to provide you with a practical, step-by-step financial plan tailored to Danish conditions. You receive a clear monthly budget, an overview of your tax position, recommendations on savings and pension contributions, and a plan for reducing debt or building capital. We also help you regularly update your budget when your situation changes – for example after a salary increase, job change, relocation, marriage, divorce or the birth of a child – so that your financial decisions remain aligned with current Danish regulations and your long-term goals.

Professional career counseling in Denmark

Professional development and career planning can sometimes be a difficult challenge, especially in a new, foreign environment. As part of our career counseling services in Denmark, we offer support in acquiring new qualifications and developing a career in the Danish labor market.

Why use our services? Our team of experienced professionals guarantees the highest quality service and a professional approach. We follow the latest innovations and trends, which allows us to offer modern and effective solutions, tailored to the individual needs and goals of our clients.

We emphasize that we do not engage in job placement.