Disposable Income
Disposable income after tax: how to calculate it
January 8, 20262 min read
disposable income
tax
net salary
Your disposable income is not your take-home pay. It's what you have left once all fixed expenses are paid. A concrete example: money in of 32,500 DKK minus fixed expenses of 18,200 DKK gives a disposable income of 14,300 DKK. Subtract variable expenses too, food, shopping, experiences, of 6,800 DKK, and you're left with 7,500 DKK net.
Calculate your disposable income in 3 steps
Here's how to find your own number:
- 1. Start with your money in: What lands in your account each month
- 2. Subtract fixed expenses: Housing, insurance, loans, and subscriptions
- 3. The result is your disposable income: For food, experiences, and savings
What the calculation looks like
Money in: 32,500 DKK − Fixed expenses: 18,200 DKK = Disposable income: 14,300 DKK. Subtract variable expenses (food, shopping, experiences) of 6,800 DKK as well, and you end up with 7,500 DKK net, what you can actually set aside or spend freely.
Frequently asked questions
- What counts as a fixed expense? Anything paid regularly that rarely changes: rent or mortgage, insurance, transport, subscriptions, union dues, daycare. Annual payments count too, divided by 12.
- What's the difference between disposable income and net? Disposable income is money in minus fixed expenses. Net is disposable income minus your variable expenses, in other words, what you actually have left once everything is paid.
- How do I get my own number, not just the example? Upload your bank statements in Reelt, and get your disposable income calculated automatically from your own transactions.
