Simple ASK model based on Norwegian 2026 share tax rules

Norway ASK Withdrawal Tax Calculator

Simulate monthly withdrawals from an aksjesparekonto (ASK) starting from the point when you begin FIRE withdrawals, and estimate when tax starts, how much of each withdrawal becomes taxable, and what your net monthly amount could look like over time.

Enter the portfolio value you expect to have when FIRE withdrawals begin. You can either enter shielding manually or estimate it from your saving history. The model treats deposits as tax-free first, then uses available shielding before gains become taxable, and adds new shielding year by year.

Settings

ASK value when withdrawals begin ?

Deposited amount at FIRE start ?

Desired monthly payout (after tax) ?

Expected annual return ?

Shielding input mode ?

Starting balance before FIRE build-up ?

Monthly contribution before FIRE ?

Annual contribution growth ?

Years invested before FIRE ?

Annual shielding rate ?

Years to simulate ?

Tax starts in ?

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First taxable month ?

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Total estimated tax ?

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Average taxable-month tax ?

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Total withdrawal per month ?

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Ending account value ?

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Summary

Enter the ASK value you expect to have when FIRE withdrawals begin, then choose whether you want to enter shielding manually or estimate it from your saving history.

Portfolio over time

How The Simulator Works

The simulator starts from your ASK at the point FIRE withdrawals begin. It applies monthly growth, then estimates the gross withdrawal needed to deliver your chosen net monthly payout. Withdrawals are treated as tax-free for as long as you still have remaining deposits. After that, available shielding is used before the rest becomes taxable. At the end of each simulated year, the model adds new shielding based on the lowest remaining deposit amount during that year and the annual shielding rate you entered.

This is a planning tool, not a tax filing calculator. Real ASK taxation can depend on broker reporting, timing, account closure, losses, fees, and other details not modeled here. Estimated tax uses a 37.84% effective rate on taxable share income for 2026.

Important Notes

This is built for a private individual using a Norwegian ASK.
The inputs should reflect your ASK when you start withdrawing for FIRE, not necessarily what sits in the account today.
New shielding is estimated annually from the lowest remaining deposited amount during each simulated year, so it is still a planning approximation rather than a tax filing calculation.
The simulator estimates tax pressure over time, even though real tax settlement happens through the tax return rather than a literal monthly deduction from the account.
The calculator does not fully model every special ASK edge case, including account closure loss treatment.
You can either enter starting shielding manually or let the calculator estimate it from your FIRE saving history.