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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.
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.
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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.
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.
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.
At a time when the focus is on environmental awareness and sustainable mobility, the company bike is becoming increasingly important as an ecological alternative to the company car, especially in urban areas. It's a good thing that there is a wide range of company bike options available. It can be difficult to decide on the right model. We have taken a close look at various types of company bike and examined their individual requirements.
At Lease a Bike, we've known it for a long time, but now science agrees - cyclists are happier. The reasons were investigated in a study by the University of Auckland. The researchers have observed in previous studies that people who switch from cars or public transport to bicycles are measurably happier.
The subsidy for company bikes was adjusted so that riding a company bikes is now even more favorable for employees. The assessment basis for the taxable non-cash benefit for private use is now divided into four.
