Student managing finances with laptop
Guide
22. Dec 202411 min read
Studerende
SU
Studielån

Disposable income for students: How to make your student grant last

As a student, you often live on a tight budget. Your student grant must cover rent, food, and all other expenses. But what do you actually have available when fixed expenses are paid?

Student grant reality in 2026

The monthly student grant (SU) for students in higher education living away from home is 7,426 DKK (2026 rate, before tax), according to SU.dk. It may sound like a lot, but after rent and transport, there are often only a few thousand DKK left.

Many students supplement with part-time work to make ends meet. This can significantly increase your disposable income, but remember to account for taxes.

Typical student budget

Here's a realistic example of a student's finances in a larger city:

Student grant (living away from home)+ 7,426 DKK
Rent (dorm/apartment)− 4,000–5,500 DKK
Available= 1,900–3,400 DKK

With only 1,900-3,400 DKK left, you need to cover food, transport, study materials, clothes, and social activities. It requires careful planning.

How much can you save?
Calculate your disposable income

Tips for students

Here are some ways to improve your disposable income as a student:

  • Look for cheaper housing, dorms are often cheaper than private rentals
  • Get a part-time job, even 10 hours per week can add 3,000+ DKK extra
  • Use student discounts, transport, streaming, software, and much more
  • Make meal plans and shop for deals, food is often the largest variable expense

Frequently asked questions for students

You can earn up to the threshold without losing your student grant. In 2026 the threshold (fribeløb) is 20,749 DKK per month for higher education in the months you receive SU, according to SU.dk. In months without SU, the threshold is higher. If you earn more than the threshold, it's deducted from your grant.

Student loans have low interest rates and can give you financial breathing room during studies. But remember you have to pay it back after graduation. Only borrow what's necessary.

A part-time job increases your income and thus your disposable income. Remember to account for taxes, you typically receive 60-70% of your salary after contributions and taxes.

Most students have 1,000-4,000 DKK available after rent. With a part-time job, it can increase to 5,000-8,000 DKK. It depends on rent size and income.

It can be difficult to get a loan as a student since banks require stable income. Student loans are often the best option. Consumer loans should be avoided due to high interest rates.
RR
Reelt RedaktionenBuilt to show you your real number, not a guess

How we make this content: it's written by Reelt, figures are sourced when they come from an authority, and none of it is financial or legal advice. Read more about Reelt

Share article

Read also

What is disposable income?

Understand what disposable income means and how it is calculated

Budget vs. disposable income

Plan vs. facts, why many budgets fail

Debt Relief

Conditions, RKI, payment plans and documentation for debt relief

Budgeting with debt

How to build a budget that actually holds up when you're paying off debt

Start your calculation now

No complex budgets. No guesswork. Just honest numbers based on your actual transactions.

See my disposable income

You can upload bank statements and review transactions and categories without payment. The key figures, disposable income, and the PDF and Excel report are unlocked with purchase.