I have less than NOK 3 million in unrealized gains — do I even have an exit tax problem?

Probably not — and this surprises people: the first NOK 3 million of calculated unrealized gain is deducted before any exit tax applies, so most ordinary fund-and-share portfolios leave Norway untaxed at departure. You still report the holdings at emigration, and growth strategies (or an expected sale) can change the math. But if your gain is comfortably under the threshold, exit tax is not the reason to delay your move — the 3-year residency rule is the rule that actually decides your timeline.