Malmö · Øresund · København
What is your Copenhagen salary really worth?
Compare your finances when living in Sweden versus Denmark — including taxes, housing, commuting and disposable income.
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A typical Øresund case
65 000 DKK / month in Copenhagen
Could mean significantly more disposable income when living in Malmö — once housing, taxes and the commute across the strait are counted together.
The exact figure depends on your housing, your commute and how many days you actually work in Denmark. So we calculate it from your numbers, not from an average.
What we account for
One calculation. Your complete cross-border picture.
Cross-border life is not one decision — it is a dozen small ones that only make sense together.
Danish income tax
AM-bidrag, bottom, municipal and top tax modelled on your salary.
Swedish taxation
Municipal rates for Malmö, Lund and Helsingborg, plus state tax.
Øresund commuting
Train pass, bridge crossings, fuel and parking by transport mode.
Housing costs
Rent or ownership costs and utilities on both sides of the strait.
Pension
Occupational pension shown separately, never mixed into disposable income.
Disposable income
What is actually left each month after everything is paid.
Tax and pension rules for income year 2026
Øresund Life provides estimates for informational purposes only. Cross-border tax and social-security rules are complex and depend on your individual circumstances. Always verify your situation with the relevant authorities or a qualified adviser.