In P+ you benefit from some of the lowest costs in the pension sector. This means that a larger part of your contributions is directed towards making your savings grow.

Here you can see what a typical member of P+ pays in administrative costs in 2025.

P+ among the least expensive

The administrative costs only represent a small part of your total costs. Besides the administrative costs, you pay investment costs that i.a. cover fees to external portfolio managers, transaction costs related to buying and selling securities and salaries to our employees in the investment department.

 Your total costs are calculated as two key ratios:

• ÅOK (annual costs in DKK) which are your total administrative and investments costs in a calendar year.
• ÅOP (annual costs as a percentage) which are your total administrative and investment costs in relation to the size of your deposit at the end of the year.

Regardless of whether you compare  ÅOK or ÅOP, P+ is among the least expensive in the sector.

If you are a member of P+, you can see your total costs on Min pension. You can find ÅOP and ÅOK in the deposit statement under ”Dine dokumenter”.

If you are not yet a member of P+, you can try our omkostningsberegner (cost calculator – only available in Danish) and get an indication of how much you can save by transferring your savings to P+.