payslip-parsing

name	payslip-parsing
description	Extraction rules for Danish salary slips (lønsedler). Reference this when processing uploaded payslips for pension tracking and financial advice.

Payslip Parsing

1. Overview

Provides Claude with extraction rules for converting Danish payslip images and PDFs into structured data. This skill covers:

• Standard Danish lønsedler (salary slips)
• Common payroll systems (Danløn, Proløn, Visma, Zenegy, Bluegarden)
• Employer-specific variations

It also provides a workflow for looking up and applying employer-specific parsers from payslip-knowledge/.

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2. Danish Payslip Structure

Legally Required Fields

Danish employers must provide lønsedler with these mandatory fields:

Field	Danish Term	Description
Pay period	Lønperiode	Month or period covered (e.g., "Januar 2026")
Gross salary	Bruttoløn	Total earnings before deductions
AM-bidrag	AM-bidrag	Labor market contribution (8% of gross)
A-skat	A-skat	Income tax withheld
ATP	ATP-bidrag	Supplementary labor market pension
Net salary	Nettoløn / Udbetalt	Amount deposited to bank

Common Additional Fields

Field	Danish Term	Description
Employer pension	Arbejdsgiverpension	Employer's pension contribution
Employee pension	Egetbidrag pension	Employee's pension contribution
Feriepenge	Feriepenge	Holiday pay accrued (12.5% for feriekonto)
Fritvalgskonto	Fritvalgskonto	Flex benefits contribution
Sundhedsforsikring	Sundhedsforsikring	Health insurance benefit
Transport	Befordringsfradrag	Commuting deduction
Bonus	Bonus / Tillæg	One-time or recurring bonus

Typical Lønseddel Layout

[Company name and logo]
[Employee name and CPR (masked)]
[Pay period]
---
INDTÆGTER (EARNINGS)
  Månedsløn                    {base_salary}
  Bonus/tillæg                 {bonus}
  Bruttoløn i alt              {gross_salary}
---
FRADRAG (DEDUCTIONS)
  AM-bidrag (8%)               {am_bidrag}
  A-skat                       {a_skat}
  ATP                          {atp}
  Pension (egetbidrag)         {pension_employee}
---
ARBEJDSGIVERBIDRAG (EMPLOYER CONTRIBUTIONS)
  Pension                      {pension_employer}
  Sundhedsforsikring           {health_insurance}
---
TIL UDBETALING                 {net_salary}
---
[Bank account info]
[YTD totals]

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3. Employer Detection & Parser Lookup

Parser Lookup Workflow

When processing a payslip, follow this decision tree:

1. Detect employer (see Employer Detection below)
2. Normalize employer name to employer-id (lowercase, no spaces, no A/S suffix)
3. Check: does payslip-knowledge/{employer-id}/PARSER.md exist?
   ├── YES: Load PARSER.md → use employer-specific extraction rules
   │         Set confidence boost: +0.1 (parser-assisted extraction)
   └── NO:  Fall back to general rules (Sections 4-5 below)
            Set confidence: 0.6-0.8 (general extraction)
            After processing: suggest /smartspender:payslip learn

Employer Detection Signals

Detect the employer using these signals in priority order:

Priority	Signal	Source	Example
1	Company header	Top of document	"Virksomhed A/S"
2	CVR number	Company info section	"CVR: 12345678"
3	Filename	Uploaded file name	loenseddel_novo_jan2026.pdf
4	Payroll system	Footer or format	Danløn format → specific employer
5	Transaction match	Bank transaction description	"Løn fra Virksomhed"

Employer ID Normalization

Employer Name	Employer ID	Aliases
Novo Nordisk	novo-nordisk	Novo Nordisk A/S
Danske Bank	danske-bank	Danske Bank A/S
DSB	dsb	DSB S-tog
COOP	coop	Coop Danmark A/S

For employers not in this table: normalize to lowercase, replace spaces with hyphens, remove A/S, ApS, and I/S suffixes.

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4. Field Extraction Rules

Core Fields

Field	Where to Find	Extraction Rule
pay_period	Header area	Look for "Lønperiode:", month name + year, or "YYYY-MM" format
gross_salary	"Bruttoløn" line	Extract amount after "Bruttoløn" or "Brutto i alt"
am_bidrag	"AM-bidrag" line	Extract amount, should be ~8% of gross
a_skat	"A-skat" line	Extract amount after "A-skat" or "Skat"
atp	"ATP" line	Extract amount (typically 94.65 kr for full-time 2025)
net_salary	"Udbetalt" or "Nettoløn"	Extract final amount, usually at bottom

Pension Fields

Field	Where to Find	Extraction Rule
pension_employer	"Arbejdsgiverpension" or employer contributions section	Extract amount
pension_employee	"Egetbidrag" or "Medarbejderpension"	Extract amount
pension_total	Calculated	pension_employer + pension_employee
pension_pct	Calculated	(pension_total / gross_salary) * 100

Optional Fields

Field	Where to Find	Default
feriepenge	"Feriepenge" line	0 if not shown
fritvalgskonto	"Fritvalgskonto" line	0 if not shown
sundhedsforsikring	Benefits section	0 if not shown

---

5. Common Payroll Systems

Danløn

• Identifier: "Danløn" in footer or header
• Format: PDF, clean tabular layout
• Gross location: "BRUTTOLØN" centered header
• Net location: "NETTOBELØB" or "TIL UDBETALING"
• Pension: Separate "PENSION" section with employer/employee split

Proløn

• Identifier: "Proløn" or "Proløn Online" in document
• Format: PDF, two-column layout
• Gross location: Left column under "Løn"
• Net location: "Til udbetaling" at bottom left
• Pension: Listed under "Fradrag" section

Visma Løn

• Identifier: "Visma" logo or "Visma Løn"
• Format: PDF, structured sections with boxes
• Gross location: "Bruttoløn" box
• Net location: "Netto til udbetaling"
• Pension: Employer contributions in separate "Arbejdsgiver" box

Zenegy

• Identifier: "Zenegy" branding or modern minimalist design
• Format: PDF, clean modern layout
• Gross location: "Bruttoløn" with large font
• Net location: Highlighted "Udbetalt" amount
• Pension: Expandable sections (may need to look for itemized view)

Bluegarden

• Identifier: "Bluegarden" or "SD Løn" (legacy)
• Format: PDF, traditional Danish format
• Gross location: "BRUTTO" line
• Net location: "NETTO" or "Til disposition"
• Pension: Under "FRADRAG" with employer portion noted separately

---

6. Validation Rules

AM-bidrag Validation

AM-bidrag must be exactly 8% of the AM-bidrag base (usually gross salary minus certain exempt items).

Validation formula:

expected_am = gross_salary * 0.08
tolerance = 5  # kr
valid = |extracted_am - expected_am| <= tolerance

If validation fails:

• Check if there are exempt earnings (some bonuses, pension contributions)
• Ask user: "AM-bidraget ({extracted_am} kr) afviger fra forventet ({expected_am} kr). Er der fradrag før AM-bidrag?"

Sum Validation

The payslip should balance:

Formula:

expected_net = gross_salary - am_bidrag - a_skat - atp - pension_employee - other_deductions
tolerance_pct = 0.02  # 2%
valid = |extracted_net - expected_net| / gross_salary <= tolerance_pct

If validation fails with variance > 2%:

• Flag for user review
• Ask: "Lønsedlen summer ikke helt ({variance}% afvigelse). Tjek venligst om alle fradrag er aflæst korrekt."

ATP Validation

ATP contributions are fixed amounts based on employment level (2025 rates):

Employment Level	Monthly ATP (Employee)
Full-time (117+ hours)	94.65 kr
78-116 hours	63.10 kr
39-77 hours	31.55 kr
Under 39 hours	0 kr

If extracted ATP doesn't match standard amounts, note as non-standard but don't flag as error.

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7. Output Schema

Extracted Payslip JSON

{
  "pay_period": "2026-01",
  "employer": "Virksomhed A/S",
  "employer_id": "virksomhed",
  "gross_salary": 45000.00,
  "am_bidrag": 3600.00,
  "a_skat": 12500.00,
  "atp": 94.65,
  "pension_employer": 4500.00,
  "pension_employee": 2250.00,
  "pension_total": 6750.00,
  "pension_pct": 15.0,
  "feriepenge": 5625.00,
  "net_salary": 26555.35,
  "benefits": {
    "sundhedsforsikring": 
     
  
   

CSV Row Mapping

Map extracted fields to payslips.csv columns per skills/data-schemas/SKILL.md:

Extracted Field	CSV Column
pay_period	pay_period
employer	employer
employer_id	employer_id
gross_salary	gross_salary
a_skat	a_skat
am_bidrag	am_bidrag
pension_employer	pension_employer
pension_employee	pension_employee
pension_total	pension_total
pension_pct	pension_pct
atp	atp
feriepenge	feriepenge
net_salary	net_salary
benefits (JSON)	benefits_json

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8. Privacy Handling

CPR Number Masking

Danish CPR numbers (DDMMYY-XXXX) appear on payslips. NEVER store or display CPR numbers.

Masking rule: If CPR detected, replace with XXXXXX-XXXX in any logs or confirmations.

Bank Account Numbers

Bank account numbers may appear. Don't store in extracted data — only the net_salary amount matters.

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9. Confidence Scoring

Rate the quality of each extraction:

Confidence	Criteria
0.9-1.0	All mandatory fields extracted, validations pass, known payroll system
0.8-0.9	All mandatory fields extracted, minor validation variance
0.6-0.8	Most fields extracted, some estimated or uncertain
0.4-0.6	Only basic fields (gross, net) extracted reliably
0.0-0.4	Document unreadable or not a payslip

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10. Examples

Example 1: Standard Danløn Payslip

Input: PDF payslip from Danløn system

Extracted data:

pay_period: 2026-01
employer: Teknologi A/S
employer_id: teknologi
gross_salary: 42000.00
am_bidrag: 3360.00
a_skat: 11200.00
atp: 94.65
pension_employer: 4200.00
pension_employee: 2100.00
pension_total: 6300.00
pension_pct: 15.0
feriepenge: 5250.00
net_salary: 25245.35

Validation:

• AM-bidrag: 42000 * 0.08 = 3360 ✓
• ATP: Standard full-time rate ✓
• Pension: 15% of gross ✓

Confidence: 0.95

Example 2: Partial Extraction (Blurry Image)

Input: Photo of payslip, partially obscured

Extracted data:

pay_period: 2026-01
employer: [unclear]
gross_salary: 38000.00
am_bidrag: [estimated] 3040.00
a_skat: [unclear]
net_salary: 24500.00
pension_total: [not visible]

Confidence: 0.5

User prompt: "Nogle felter var svære at aflæse. Tjek venligst bruttoløn (38.000 kr) og nettoløn (24.500 kr). Pension kunne ikke aflæses — vil du tilføje det manuelt?"

Example 3: Unknown Employer (No Parser)

Input: PDF payslip from new employer

Employer detection:

1. Header shows "Startup ApS" → employer-id: startup
2. Check payslip-knowledge/startup/PARSER.md → does not exist
3. Fall back to general extraction rules

After processing: Suggest:

Tip: Kør /smartspender:payslip learn for at gemme udtræksregler
for Startup ApS, så fremtidige lønsedler bliver mere præcise.

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11. Edge Cases

Multiple Pay Periods in One Document

Some employers provide YTD summaries alongside monthly slips:

1. Extract only the CURRENT period data
2. Ignore YTD columns
3. Look for "Denne periode" or "Aktuel måned" labels

Supplementary Payments

Bonus, vacation payout, or other irregular payments:

1. Extract the total gross (including supplement)
2. Note irregular items in benefits_json
3. Set confidence slightly lower (0.7-0.8) for unusual payslips

Foreign Currency Elements

For employees with foreign income components:

1. Only extract DKK amounts
2. Ignore foreign currency lines
3. Note in extraction if payslip contains non-DKK items

Correction Slips (Rettelsesseddel)

Some months have correction slips instead of full payslips:

1. Detect by "Rettelse" or "Korrektion" in header
2. Extract the net change amount
3. Store with special note in benefits_json: {"type": "correction"}

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Related Skills

• See skills/data-schemas/SKILL.md for the payslips.csv file structure
• See skills/transaction-matching/SKILL.md for how payslips are matched to salary transactions
• See skills/danish-finance-guide/SKILL.md for pension percentage recommendations (15% target)