'What does it mean for those of us earning between 35,000 and 45,000 kroner a month and living in an apartment?': Experts answered your questions

Today, the government and the Danish People's Party unveiled the tax agreement they have entered into together.

An agreement ( https://www.dr.dk/nyheder/penge/ny-skatteaftale-billigere-benzin-og-diesel-og-skattelettelser-11-milliarder-de-naeste-tre-aar ) that, among other things, lowers petrol and diesel prices by two kroner per liter next year, abolishes the intermediate tax and the top-top tax over the next three years, and provides tax cuts of 11 billion kroner to those with the highest incomes and to businesses.

But what does all this mean for the average Dane? Who benefits from the tax agreement? And what should one take note of?

DR's users asked a lot of good questions about this to Pernille Nissen Byg, who is a tax advisor at the auditing firm BDO, and Betina Grimstrup, who is a personal finance analyst at Nordea.

Here is a selection of the questions and answers that resulted:

A pensioner may benefit from the abolition of the intermediate tax, depending on their pension income. (Photo: © Sebastian Elias Uth, Ritzau Scanpix)

We are pensioners with state pension without supplements. We own our home and have an electric car. Where will we benefit from the new agreement? We are also affected by the high prices.

*Betina Grimstrup, personal finance expert at Nordea:*

In the tax proposal presented today, there is nothing that directly affects pensioners.

However, as a pensioner, you also benefit from the abolition of the intermediate tax if you have a pension income exceeding 58,000 kroner per month (per person).

Intermediate tax depends on your income. (Photo: © Mads Claus Rasmussen, Ritzau Scanpix)

Who pays intermediate tax? Which jobs?

*Pernille Byg, tax advisor at BDO:*

It is not specific jobs that pay intermediate tax. What matters is how much you earn from your job.

In 2026, you pay intermediate tax of 7.5 percent on the portion of personal income after labor market contribution that exceeds 641,200 kroner. This roughly corresponds to a salary of about 58,000 kroner per month before labor market contribution.

The significance of the tax agreement for you specifically depends on your other circumstances, says the tax advisor. Archive photo. (Photo: © Signe Goldmann, Ritzau Scanpix)

What does the new tax agreement mean for those of us who earn between 35,000 and 45,000 kroner per month and live in an apartment?

*Pernille Byg, tax advisor at BDO:*

If you earn between 35,000 and 45,000 kroner per month, you generally do not pay intermediate, top, or top-top tax today. Therefore, you will not directly benefit from the abolition of the intermediate and top-top tax.

The new tax agreement also contains changes regarding cars and taxation of investments. Therefore, the significance of the tax agreement for you specifically will depend on your other circumstances.

From 2028, newly graduates must as a rule have worked at least 4 hours per week for 18 out of the last 24 months of their education to receive unemployment benefits. Archive photo. (Photo: © Linda Kastrup, Ritzau Scanpix)

How are people who finish their education in the new year affected? There was talk that one would have to work x number of hours while studying - has that been introduced? And when does it apply from?

*Betina Grimstrup, personal finance expert at Nordea:*

The tax agreement between the government and the Danish People's Party is so far only a political agreement and thus not adopted by law. In short: It is a proposal, nothing has been decided yet.

The proposal is:

From 2028, newly graduates must as a rule have worked at least four hours per week for 18 out of the last 24 months of their education to receive unemployment benefits.

In return, it will be about 3,000 kroner cheaper to be a member of an unemployment insurance fund the first year after graduation. There will be special rules for, among others, students with disability supplements and people who have been ill or on maternity leave.

Which target groups will experience tax cuts? (Photo: © Ida Marie Odgaard, Ritzau Scanpix)

Disability pensioners, social welfare recipients, unemployment benefit recipients, pensioners, and others - are there tax cuts for these target groups?

*Pernille Byg, tax advisor at BDO:*

The major tax cuts in the agreement are largely tied to earned income. Therefore, people who only receive, for example, disability pension, social welfare, unemployment benefits, or state pension will not benefit from the cuts aimed at employed people in the same way that wage earners do.

However, this does not necessarily mean that one is not positively affected at all. One must look at the overall agreement and the individual's finances, including whether other changes in taxes and duties also benefit you.

One should not expect that all elements of the new agreement can be seen on the preliminary income assessment in November. Archive photo. (Photo: © Mads Claus Rasmussen, Ritzau Scanpix)

The preliminary income assessment is sent out on 24/11. Can any of the changes make it in time?

*Pernille Byg, tax advisor at BDO:*

The Danish Tax Agency has postponed the opening of the preliminary income assessment for 2027 to November 24 precisely to be able to incorporate some new deductions.

But the changes in the tax agreement presented today must first be converted into concrete legislation. Therefore, one should not expect that all elements of the new agreement can already be seen on the preliminary income assessment on November 24, 2026.

Read many more questions and answers here:

Read also: Do you have questions about how the new tax agreement will affect your finances? Two experts answer your questions ( https://www.dr.dk/nyheder/penge/har-du-spoergsmaal-til-hvordan-den-nye-skatteaftale-vil-paavirke-din-oekonomi-eksperter-svarer-paa )

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