The problem
In the 2027 finanslovsudspil (presented 9 Oct 2026) the government proposes that new boligstøtte applicants are refused if the household's liquid wealth exceeds 500,000 kr. Today there is no hard ceiling: formue only counts as a formuetillæg once it passes about 896,400 kr (boligsikring) or 1,060,300 kr (boligydelse) in 2026 rates. The same package would open boligstøtte to kollegieboliger without own kitchen/drain from around 2028. Reddit and borger.dk threads already show people guessing whether savings, ASK or pensions count as 'likvid formue', and Udbetaling Danmark's monthly recalculation surprises students when income wobbles. No consumer tool shows old vs proposed gate side by side.
Why now · sources
Who it's for
Tenants & students
Freemium sketch
Free: one household check — current formuetillæg effect vs proposed 500k gate, plus a flag if your kollegie lacks kitchen/drain. Paid (~39 kr/month or 299 kr/year): save scenarios (before/after a job change), monthly Udbetaling Danmark recalculation reminders, CSV for a roommate split, Danish + English copy for internationals.
Competitors
borger.dk and Udbetaling Danmark explain current rules; union and student guides cover pieces. No tool found that models the proposed hard gate next to today's formuetillæg and the kollegie expansion.
Build notes
Next.js calculator (client-side maths, no CPR). Optional Auth.js + Neon for saved scenarios and Resend reminders. Rates from bm.dk satser; mark proposal fields until law text lands.
Comments 0
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