Your costs
Use the calculator below to see the average costs at different ages and with varying amounts. You can also log in and see exactly what you have paid.
The charges calculator was updated in March 2025.
Prices and costs
See what it costs to have your pension savings with us.
General prices
We have more than 836.000 members. Our many members allow economies of scale. This means we can provide a good service at a low price.
In 2025, it only costs DKK per year to have your pension with PensionDanmark.
| Cost | Rate 2025 |
| Administrative costs | DKK 320 |
You pay every month for the insurance you have. You can see your insurance costs when you log in to your annual overview.
According to Danish tax rules, you must pay tax on the value of your insurance. The Danish Tax Agency calculates your tax based on the information we report and your individual tax rate.
This means your insurance costs include both the actual price of the insurance and the tax calculated by the Danish Tax Agency.
If you do not pay into your pension with us, you may be required to pay a tax of up to 60% on some of your insurance costs. However, you will not pay the regular insurance tax during periods without contributions.
If you have stopped paying into your pension with us because you have a new job with new insurance, you should consider stopping your insurance with us.
| Costs | Rates 2025 |
| Investment costs 1) | 0,60% |
| Trade in external funds | Rates 2025 |
| Additional annual safe custody costs when selecting external funds (Free Fund Selection) |
DKK 0 |
| Commission on trade in external funds (Free Fund Selection) | 0,10 % |
| Fee for trade in external funds (Free Fund Selection) | DKK 0 |
| Additions to/deductions from net asset value of purchase/sale | 0,08 % |
| Administration costs in external funds (Free Fund Selection) 2) | 0,15 - 0,85 % |
1) The amount shows the costs involved in investing your savings – e.g. the costs of trading in securities, safe custody fees to custodian banks and payments to asset managers, etc. Investment costs are calculated as a percentage of the average pension savings and are based on the expected investment costs for 2025. It includes the 0.09 percent deducted from the member’s fund account to cover internal investment costs. Individual members may have lower or higher investment costs depending on their age, risk profile and whether a choice has been made in Free Fund Selection.
2) The administrative costs in external funds are calculated net, as all discounts from external managers (kickback) to PensionDanmark go directly back to members.
How much do you pay?
The annual overview shows exactly what it has cost you to have your pension savings with PensionDanmark.
