Below, you can see some of the benefits of making an extra contribution to your pension scheme.
If you’d like to add some extra funds to your pension over time and potentially benefit from tax relief, we’re here to help. Select whether you have a personal or workplace pension, and we’ll guide you through the next steps.
Any questions? We’re just a phone call away.
Corporate pension scheme
Private pension savings
At Velliv, we recommend that you save up to seven years’ worth of salary towards your pension. If you’re unsure whether you’re following our recommendations and are adequately covered, please feel free to contact us. You can also sign up for Good Advice (Gode Råd), newsletters, ongoing updates and recommendations.
If you pay top-bracket tax, it may be beneficial from a tax perspective to contribute extra to your pension savings.
Velliv is an independent 100 per cent customer-owned company. As a customer, you’re automatically a member of Velliv Foreningen and therefore co-owner of Velliv. Each year, the association typically distributes 80 per cent of the surplus back to its members as a cash bonus. The remaining 20 per cent of the surplus is used by the association to support projects that promote Danish mental well-being.*
*Reason for bonus payment
The bonus from Velliv Foreningen is a cash bonus paid to you and your colleagues, which will be deposited into your NemKonto account. Read more about the reasoning behind the bonus distribution.
You can obtain tax relief if you contribute more to your annuity certain or whole-life annuity schemes.
On your annuity certain scheme, you can get a deduction of up to DKK 65,500 (2025) per year . You have the option to contribute more and still receive fill tax relief, as the excess amount will automatically be transferred to a whole-life annuity scheme. If your pension scheme is administered through your employer, you can contribute any amount you want with tax relief. If it’s a private pension scheme, there are special rules that apply. You can find more information about these rules here.
There is no tax relief for contributions to savings schemes where the disbursement is tax free.
You can also have a tax-free agreement.
We recommend that you read about our savings products and terms and conditions of investment (in Danish only). Under each savings product, you can find information about deductions, taxation and more.
We also recommend that you take our investment guide in Mit Velliv. Here, you can get help finding the investment option that best suits your needs.
If you choose to make additional contributions to your pension, you may be eligible for an immediate tax deduction – in the same year the payment is made. To benefit from this, you need to update your preliminary tax assessment on skat.dk yourself. Otherwise, the deduction will only be applied the following year – when you receive your annual tax notice.
Below is a short guide on how to do it:
Private contributions
Here's how:
Private contributions
Here's how:
Private contributions
Not included in the preliminary tax assessment.
According to current tax regulations, old-age savings do not qualify for a tax deduction and should therefore not be included in the preliminary tax assessment.
If you would like to review your pension, make changes to your savings or have other questions about your pension scheme, please contact our Customer Centre.
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Monday to Thursday: 8.30 – 16:00
Friday: 9:00 – 16:00