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Norway is what Runway is built on
Norway is Runway's home country and its reference model: the pack every other country is measured against. Where generic calculators assume American accounts, Runway starts from formuesskatt, the ASK account, skjermingsfradraget, folketrygden, and the exit tax, the five rules that actually decide a Norwegian freedom age.
What the Norwegian model includes
- Share gains grossed up by 1.72 and taxed at 22 percent (an effective 37.84 percent headline), with the skjermingsfradrag shielding deduction credited the way Skatteetaten applies it
- The ASK account's capital-first withdrawal order, so early drawdown years spend tax-free deposits before taxed gains
- Formuesskatt as the threshold levy it is: the deduction first, the yearly rate above it, the share-valuation discount included
- Folketrygden and IPS modelled as the bridge-shrinkers they are, including IPS paying out over a fixed term to about 80 rather than as an on-demand lump
- The rentefradrag on mortgage interest credited back where it belongs
- Utflyttingsskatt priced into every retire-abroad plan
| Tax area | What Runway applies (2026) |
|---|---|
| Share gains | 22% on 1.72x grossed-up gains (37.84% effective), softened by skjerming and ASK ordering |
| Capital income (interest, rent) | 22% |
| Wealth tax | Levied yearly above the threshold, share discount modelled |
| Leaving Norway | Exit tax on unrealised gains, priced into any move |
Read the deep dives
The Norwegian model has its own guides: the FIRE number in Norway walks the three rules that bend the 25x figure, and the exit-tax guide covers the cost of leaving. Norwegian readers get the whole site på norsk.
Price the whole move, not the postcard
Runway prices a retirement in Norway end to end from your Norwegian plan: the exit tax on the way out, Norway's taxes on the drawdown, and your spending in local currency. Your freedom age is free. The app launches on the App Store on 25 August 2026, and the beta is open now.
Runway prices a retirement in Norway end to end from your Norwegian plan: the exit tax on the way out, Norway's taxes on the drawdown, and your spending in local currency. Your freedom age is free.
Try the beta on TestFlight Download free on the App StoreFrequently asked
What tax does Runway assume on Norwegian share gains?
The 2026 headline: share gains are grossed up by 1.72 and taxed at 22 percent, an effective 37.84 percent, softened in practice by the skjermingsfradrag (the risk-free shielding deduction) and by the ASK account's rule that your own deposits come out first, tax-free. Runway models all three together, which is why its Norwegian numbers differ from a flat-rate guess.
Does Runway model formuesskatt (wealth tax)?
Yes, as the threshold levy it is: nothing below the deduction, then the yearly rate on net wealth above it, with shares valued at their discount. A large FIRE pot pays it every year, so the pot must be big enough to carry its own tax bill, and Runway sizes that honestly.
How do NAV and IPS pensions change a FIRE plan?
They shrink the pot you need. Folketrygden and any IPS or workplace pension arrive from pension age, so your savings only bridge you from your freedom age to theirs. Runway models the bridge, including IPS paying out over a fixed term rather than as a lump you control.
What if I leave Norway later?
Leaving with unrealised gains can trigger utflyttingsskatt, as if you sold on the way out. Runway prices it into every retire-abroad plan, then applies the destination's rules to the drawdown.
Figures are 2026, income-year-stamped estimates from Runway's Norwegian reference pack, the same engine the app runs, checked against skatteetaten.no and nav.no. Educational estimates, not financial or tax advice. See the full country list.