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Costs of bike leasing

Our answers to frequent questions from employees.

What does company bike leasing cost?

What are my savings as an employee and how do I calculate them?

In the course of salary conversion , you as an employee do not receive part of your contractually agreed salary in cash, but as a non-cash benefit during the use of the company bike.

This is done by means of a supplementary agreement to the employment contract, in which your future salary is reduced by a fixed amount (conversion rate) for the duration of use. This allows you to benefit from tax and duty advantages. You can easily calculate your savings with our bike leasing calculator.

Woman with Kalkhoff bike in a parking lot

Calculate your individual savings.

Switch to a bike. And be up to 40 % cheaper than buying, thanks to company bike leasing! Salary conversion reduces the taxable gross salary for your employees and therefore also the social security contributions and taxes. Please note that the leasing rate shown in the calculator is a non-binding calculation example.

Calculate your savings in the bike leasing calculator.
 

Frequently asked questions concerning costs

Why is my leasing rate so high?

The leasing rate stated in the supplementary agreement to the employment contract does not correspond to the actual costs for your company bike.

The leasing rate is shown both net and gross. If your employer is entitled to deduct input tax, the net leasing rate is usually offset against your gross monthly salary. This reduces your taxable gross monthly salary, which leads to a reduction in your taxes and social security contributions. If your employer is not entitled to deduct input tax, the gross leasing rate will be deducted from your gross monthly salary.

The conversion rate in the supplementary agreement to the employment contract does not take into account a possible subsidy from the employer.

Would you like to know exactly how much you can save? Then try our bike leasing calculator.

Can my employer support my company bike leasing with subsidies?

Employers have the option of reducing the monthly conversion rate with a voluntary subsidy, but are not obliged to do so. However, our experience shows that participation in company bike leasing among employees increases when employers provide a subsidy.

 
Woman with Kalkhoff bike in the city

Pension and bike leasing?

Company bike leasing via salary conversion reduces your monthly gross income and therefore also the social security contributions for your pension. This is often seen as a disadvantage of company bike leasing, but the losses are minimal. For example, with a bike price of 3,000 euros, the future pension entitlement is reduced by around 2 euros per month if the bike is leased for 36 months. In total, this would be around 468 euros less pension for the entire pension entitlement period, which is less than the average savings from the company bike. Regular cyclists also benefit from positive health aspects: Recent studies show that they are fitter, healthier and tend to live longer .


If you receive your company bike as a salary supplement, your employer will cover the entire cost in addition to your salary. In this case, there is no salary conversion, so social security contributions are not reduced and your pension is not affected.

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