Disclaimer

Not Financial Advice

MyOtium is a retirement planning tool intended for illustrative and educational purposes only. Nothing on this website, in any projection, report, or output, constitutes financial advice, investment advice, tax advice, or legal advice. No adviser-client or fiduciary relationship is created by your use of this service.

Projections Are Estimates

All figures produced by MyOtium are projections based on the data you enter and on simplified mathematical models of Danish pension, tax, and investment rules. They are not guaranteed outcomes. Actual results will differ — sometimes materially — due to changes in legislation, market returns, inflation, life events, or errors in the data you provide.

Tax and Pension Rules May Change

MyOtium models Danish pension and tax rules as they were understood at the time of writing. Danish tax thresholds, pension contribution limits, Folkepension entitlements, and other statutory figures change annually. The tool may not reflect the most recent rules at any given time. You should verify all figures with official sources (e.g., Skat.dk, borger.dk, or your pension provider) before making any financial decision.

Scope: Danish Residents

MyOtium is primarily designed for Danish residents subject to Danish taxation. If you reside or are taxed outside Denmark, the projections will not accurately reflect your situation and should not be relied upon.

No Liability

To the fullest extent permitted by applicable law, MyOtium and its operators accept no liability for any financial loss, missed opportunity, tax obligation, or other damage arising from your use of this tool or reliance on any projection it produces. You use MyOtium entirely at your own risk.

Seek Professional Advice

Before making significant financial decisions — including changes to your pension contributions, investment strategy, or retirement date — we strongly recommend you consult a qualified and regulated financial adviser, tax accountant, or pension specialist.