If you have a pension scheme through your work, a percentage of your salary is paid into your pension every month. Generally, your employer pays some, while you pay the rest yourself, which is deducted from your salary before tax.  

You can choose to increase your own contributions by notifying the payroll office at your workplace and AP Pension. However, you cannot generally choose to pay a smaller proportion of your salary than is set out in your contract by your employer.

If your salary increases, you may quickly get used to a new standard of living. You could therefore consider putting a proportion of your salary increase towards extra pension contributions which would mean that your future pension payouts would also increase.

In general, contributions to your pension will be a percentage of your salary. That's why every time your salary increases, contributions in kroner and øre also increase slightly. However, it may be a good idea to contribute even more to your pension savings, for example half or a third of your salary increase.

If you have Mobil AP on your phone, you can see what contributing a larger proportion of your salary would mean for your pension.

Typically, your pension contributions will be a percentage of your salary. So if your salary decreases - for example, because you switch to part-time - it will also mean that you save less for your pension. It’s a good idea to consider the consequences of these smaller contributions for your finances as a pensioner.

As the rules are today, you will often be able to receive a bit more in public pension, the smaller your own pension is. You are thus partially compensated for the lower contributions - unless the rules change before you retire.