The rules of the deal, in plain language.

Øresund Life is operated by Øresund Life, Sweden. You can reach us at hello@oresund-life.com. We normally answer within a few working days.

These terms apply to everyone using the website. By using the site you accept them.

Øresund Life is an information and calculation tool. It produces estimates of net pay, tax, housing cost, commuting cost and pension outcomes for people living in Sweden and working in Denmark, based on published rules and rates that we document on the data and assumptions page.

It is not tax advice, legal advice, financial advice or investment advice, and it does not create an advisory relationship. Rules change, individual circumstances differ, and rounding and simplifications are unavoidable. Always confirm your own situation with Skatteverket, SKAT, Øresunddirekt or a qualified adviser before making decisions.

The calculator can be used without creating an account. Some optional features, if available, may allow you to sign in with a passwordless email link or save scenarios. Creating an account is never required to perform a basic calculation unless we clearly state otherwise.

If you do sign in, you are responsible for keeping access to that mailbox. Accounts are personal — do not share your sign-in links.

The calculator is currently free to use. If paid products or services are introduced in the future, the price, payment terms, the consumer information required by law and any statutory right of withdrawal will be presented clearly before you complete a purchase.

Nothing on this page should be read as meaning that a paid service already exists today.

Please do not:

• scrape, bulk-download or resell the calculations, data or content;
• attack, overload or probe the service, or attempt to access other people’s accounts or data;
• present our estimates as professional advice to third parties.

We may suspend access that clearly breaches these rules.

The site, its design, the bridge mark, the calculation engine and the written content belong to Øresund Life. You get a personal, non-transferable right to use the service — it does not transfer any ownership. Public data we build on (Skatteverket, SKAT, ECB, Rejseplanen, Skånetrafiken and others) remains the property of its sources and is credited on the assumptions page.

Øresund Life is provided with reasonable care, but we cannot guarantee that the service will always be available, uninterrupted, error-free or suitable for every individual situation.

The calculator and all figures produced by it are estimates based on published rules, rates, assumptions and the information entered by the user. Before making important financial, tax, legal, employment, pension or relocation decisions, users should verify their individual situation with the relevant authority or a qualified professional.

To the extent permitted by applicable law, Øresund Life is not liable for indirect or consequential loss arising from reliance on an estimate or from temporary unavailability of the service.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited, and mandatory consumer rights always take precedence.

Tax rules, prices and data sources change, and we update the tool accordingly. We may change these terms; the version published at the time applies. If we make a change that materially reduces what the service offers, we will say so on the site.

If we ever have to shut the service down, we will announce it on the site with reasonable notice so you can export anything you rely on.

Contact us first at hello@oresund-life.com — most things are solved in one email. If we cannot agree, you can take the matter free of charge to the Swedish National Board for Consumer Disputes, ARN (arn.se), whose decisions we follow. General guidance is available from Hallå konsument.

These terms are governed by Swedish law. As a consumer you keep the protection of the mandatory rules of your country of residence, and disputes may be brought before the courts of your home country.