Perhaps you have kept a regular eye on your pension savings or maybe you have taken a back seat and let us take care of your savings for you. Both these approaches are perfectly fine.
If you need an overview of your income in retirement, you can:
As a pensioner, you can receive income from the state, including state pension and ATP.
How much you receive in total on a regular basis from your annuity pension and lifetime pension determines how much state pension you receive. Contributions made by your spouse or partner count.
The state pension is a benefit paid by the state that you are entitled to if you have Danish nationality and live permanently in Denmark.
You can receive state pension from the month after you reach the state pension age.
How much you receive from your state pension
The state pension has two parts: the basic amount and the pension supplement. The basic amount is the same for everyone, but if you are single, you will receive a larger pension supplement.
How much you receive in total on a regular basis from your annuity pension and lifetime pension determines how much state pension you receive. Contributions made by your spouse or partner also count.
You need to apply for your state pension yourself at Udbetaling Danmark. You will not get your state pension automatically.
See how you much state pension you can expect to receive and apply at lifeindenmark.borger.dk/pension.
Supplementary pension benefit is an amount paid out by the state once a year to individuals who have less than DKK 103.100 (2025) in total liquid assets.
Your personal supplement percentage and liquid assets (e.g. overdraft facilities, cash and savings in the bank) as of 1 January determine whether you qualify for and how much you will receive in supplementary pension benefit for the coming year.
If you are married or have a life partner, their assets are also included in the calculations.
Udbetaling Danmark calculates whether you qualify for supplementary pension benefit. Udbetaling Danmark also pays out the benefit.
Read more about supplementary pension benefit at lifeindenmark.borger.dk
Your employer or the state make contributions to your ATP (Labour Market Supplementary Pension). You are legally obliged to make contributions to your ATP. However, if you are receiving early retirement benefit or a partial pension, you are free to decide whether or not you want to make contributions.
Your ATP savings will be paid into your NemKonto automatically when you reach state pension age.
See how much you have in ATP savings and read more about the scheme at lifeindenmark.borger.dk
Would you like an idea of what your finances might look like when you stop working?
The calculator lets you “play” with the figures and see what might happen if you wait to retire or extend the period during which you want to receive your pension.
It can also show you what could happen if you set aside a little extra money before you retire.
If your finances allow, it might be a good idea to put a little extra into your old-age savings.
Your old-age savings can be paid out all at once or in smaller instalments. Payouts are tax-free and will not be offset against state benefits.
