Norwegian ASK Withdrawal Calculator

What the model funded

A partially funded month is a shortfall even if some money can still be withdrawn. A final withdrawal that is fully funded with exactly zero left counts as funded.

Tax, gross withdrawals, net receipts and basis are nominal. The “today” portfolio column discounts each year-end balance by inflation.

ASK assumptions and timing

Withdrawals first use remaining deposits, then available shielding. The rest is taxed at the rate you enter. Starting unused shielding must come from your account records.

At each simulated year end, new shielding is calculated from that year's lowest remaining deposit balance plus unused shielding carried into the year. The new amount becomes available for subsequent withdrawals. This conservative cash-flow timing does not reproduce tax settlement or refunds for the current year.

For example, with 100,000 of deposits, 10,000 of carried shielding, no withdrawals and a 3% assumed shielding rate, the first year's addition is 3,300. Unused shielding becomes 13,300. It is not simply 3% of the deposits.

Wealth tax, account closure, losses, transfers, exit tax, broker adjustments and future rule changes are excluded. This is a planning estimate, not a tax return.

Source: Skatteetaten — ASK rules, withdrawals and shielding. Rules checked 27 September 2026.

Why inflation must not erase taxable gains

If an account grows by 10% while prices rise by 10%, its purchasing power is unchanged before tax. Its nominal gain can still be taxable. This calculator grows the actual currency balance, raises the required spending with inflation and leaves cost basis in nominal money.

The separate real-value display shows purchasing power. It does not change the amount treated as a gain.

Return to your full FIRE plan →