Hop onto the bicycle of your dreams

and save up to 36% compared to purchasing.

Cervélo Caledonia Ultegra Black White
Cervélo Rennrad € 3.999
Kalkhoff Pro Endeavour 3B Move
E-Bike € 2.790
Focus Jam 7.8
E-MTB € 6.299
Monthly cost
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You save vs buying
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Calculate what you save

Calculate your individual savings

Choose a bike type
Retail price
Gross monthly salary
Leasingdauer
Service & insurance package
Till €100
Till €200
Till €300
My employer pays:
Old net salary
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New net salary
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Monthly costs
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Total savings
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Show calculation overview

Without a lease bike
With a lease bike
gross income
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plus employer's share
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Abzgl. Leasingrate (Gehaltsumwandlung)
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less all-round protection (salary conversion)
Standard
Premium
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new gross salary
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Abzgl.Sozialsversicherungsbeiträge (bleiben Konstant)
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Abgzl Lohnsteuer
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Net salary
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Due to the tax benefit, the monthly net costs for your lease bike are only:
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Total savings compare to private purchase?
Without a lease bike
With a lease bike
Bike
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less all-round protection (salary conversion)
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Estimated purchase price after 36 months
Take over bike?
Nee
yes
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Total costs including service insurance
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Total savings
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-% compared to private purchases
This calculator is based on the latest published tax information from the Ministry of Finance. The current income tax year is used as a basis, Lease a Bike does not guarantee future changes in the tax system. This calculation is therefore indicative and may in some cases deviate from the final amount to be paid.

I still have a question
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Notify your employer
What happens if the employer’s continued payment of remuneration is interrupted?

In the event that the employer discontinues continued payment of remuneration, e.g. if the employee leaves the company for a longer period due to illness, parental leave or other possible reasons, we will be happy to work together to find the best solution for all parties.

These may include, for example:

●      Change of user. The employer offers the company bicycle to another colleague for the remaining term of the agreement. The employer takes all required internal measures for this. (e.g. supplementary agreements to the employment contract, handover of the company bicycle, etc.)

●     Early termination of the leasing contract. The colleague who leaves the company pays off the remaining lease installments (without service and insurance costs)

●  Cost-neutral dissolution. Lease a Bike offers a company in some cases an early, cost-neutral termination of existing individual leasing contracts. The conditions for this are defined in the cooperation agreement

How does salary conversion work? How do you benefit?

In the case of salary conversion, you won't receive a part of the contractually agreed salary in cash, but as a payment in kind for the period of time during which the company bicycle is provided. 

This means that a change is made by means of a so-called supplementary agreement to the employment contract, in which your future salary is reduced by a fixed amount (usually in the amount of the conversion rate) for the duration of the transfer of use.

This then results in a noticeable tax and contribution benefit for you.

How is a claim reported?

Claims can easily be submitted by the specialist dealer via our portal.

●      The "Damage & Theft" button in the menu takes the specialist dealer to the online form.

●      This online form makes it easy to submit the claim electronically.

●      The insurance company will review the claim and give the dealer approval for the costs to be covered by us.

●      Reimbursement of the costs to the specialist dealer will be made directly via us after receipt of the invoice.

Note: In order to guarantee rapid processing of the claim, it is submitted exclusively by the specialist dealer.

Which parts are considered wear parts?

Every Lease a Bike company bicycle receives an obligatory all-round protection package with an individually selected annual wear budget. All necessary repairs to restore operational safety as well as repairs due to wear and tear are charged to this account. The following wear parts, among others, are taken into account.

●      Tyres

●      Inner tube

●      Brake pads

●      Brake discs

●      Chain

●      Cogset / sprocket

●      Pinion

●      Chainring

●      Bottom bracket

●      Light sources

●      Brake and shift cables

How is a theft report made?

Reports can easily be submitted by the specialist dealer via our portal.

●      The "Damage & Theft" button in the menu takes the specialist dealer to the online form.

●      This online form makes it easy to submit the theft report electronically.

●      The specialist dealer receives approval and confirmation of cost coverage after inspection and confirmation of compensation by the insurance company.

●      A selection/coordination with availability of a bicycle of the same type and quality can be made between the specialist dealer and the user until approval.

●      The invoicing of the new bicycle and also the payment is done by us.

●      The handover of the new bicycle requires prior, final approval by us.

Note on exchanging objects in the event of theft within the existing agreement with a bicycle of the same type and quality. The new bicycle only has to have the same purchase value, including accessories, as the stolen bicycle. 

In order to guarantee rapid processing of the theft report, it is submitted exclusively by the specialist dealer.

What is considered and included in the damage/theft protection?

The company bicycle must be locked with, but not connected to, a commercially available brand-name lock, unless it is physically located in an enclosed area. Protection is provided 24/7. Damage/theft reports are to be made directly to us using a form. In the event of theft, a police report is mandatory. Your employer as lessee must also be informed immediately in the event of a claim. You can fill out this notification of claim form on your own or together with your specialist dealer, who will be happy to assist you. 

Are multiple company bicycles possible?

If, according to the employment contract, more than one company bicycle can be used privately free of charge or at a reduced price, the benefit in kind resulting from the provision of the company bicycles for private use is to be calculated for each company bicycle according to the 0% regulation.

How long is the term of a company bicycle leasing agreement?

The term of the contracts for company bicycles is generally 36 or 48 months.

How does salary conversion work? How do you benefit?

In the case of salary conversion, you won't receive a part of the contractually agreed salary in cash, but as a payment in kind for the period of time during which the company bicycle is provided. 

This means that a change is made by means of a so-called supplementary agreement to the employment contract, in which your future salary is reduced by a fixed amount (usually in the amount of the conversion rate) for the duration of the transfer of use.

This then results in a noticeable tax and contribution benefit for you.

Can an agreement be terminated prematurely?

Premature termination of a leasing agreement is allowed under certain circumstances during the contractually agreed period of 36 or 48 months. Please contact us and we will be happy to assist you! 

Difference between residual value, purchase price, market price?

There is often a great deal of confusion about the meaning of these terms.


Residual value: This is a purely calculatory figure in leasing and is often confused with the purchase price at the end of the contract term.

Purchase price: This is the price at which the used company bicycle is sold at the end of the contract.

Market price: This refers to the price that is paid for a given good at a given time in a given market for a unit of that good. 

In the absence of a current general second-hand market for bicycles/pedelecs, unlike for motor vehicles, the Higher Tax Authority has set this market price at 40% of the recommended retail price gross after 36 or 48 months to simplify matters and in line with the depreciation table. However, it should be noted that in connection with the taxation of the pecuniary advantage, a lower value can be proven in the event of a difference between the purchase price and the market price.

What happens if the continued payment of remuneration is interrupted?

In the event that continued remuneration is discontinued, e.g. leaving work due to prolonged illness, parental leave or other possible reasons, we are happy to work with you to find the best solution for you, up to and including an individual, cost-neutral return for you as the employer, provided that one of the following options is not possible or does not apply. 

This can be, for example:

●      Change of user: Offering the company bicycle to another employee for the remaining term of the agreement and taking all measures required internally for this purpose. (e.g. supplementary agreements to the employment contract, handover of the company bicycle, etc.)

●      Early termination of the existing leasing contract. The colleague who leaves the company pays off the remaining else installments (without service and insurance costs)

●      Cost-neutral dissolution. Lease a Bike offers a company in some cases an early, cost-neutral termination of existing individual leasing contracts. The conditions for this are defined in the cooperation agreement

Would you like more details about this? Please contact us and we will be happy to assist you! 

What is the expected purchase price at the end of the contract?

Lease a Bike offers the company bicycle to the employee on request at a currently expected purchase price of 5% (48 months) or 15% (36 months) at the end of the contract. We pay a lump-sum tax on the monetary benefit resulting from the difference between 5% or 15% of the expected purchase price and the currently set market price of 40%. Proof of the flat-rate taxation treatment by us is provided on the sales invoice of the used company bicycle. Thus, the employer is not required to make a lump-sum or individual taxation of the monetary benefit arising from the sale to the employee via the wages and salaries accounting itself.

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