You've seen just how affordable your dream bike can be. The next step is the best part: Find it now at one of our more than 5,500 authorized dealers near you or online, and embark on a mobile future—with plenty of financial benefits.
An e-bike costing €3,000 will set you back about €57 net per month through the Dienstrad leasing program, even though the gross leasing payment is about €88. Exactly how much you save depends on your salary, your tax bracket, and the price of the bike. Our bike leasing calculator translates all these factors into a single number that speaks for itself: your personal net cost. You don’t need to be a tax expert to figure it out. Below, you’ll find a sample calculation and answers to the most common questions about the costs of bike leasing.
Are you convinced of the benefits of leasing? Getting your new e-bike is easier than you think, and it depends on your specific situation:
Perfect! Then the next step is the best part: Visit one of our more than 5,500 authorized dealers, get expert advice, and take your dream bike for a test ride.
No problem. We'll help you convince your HR department of the many benefits. We've compiled all the key information and arguments for you.
By the way: For companies with fewer than 50 employees and for self-employedst, eurorad also offers the uncomplicated immediate order – without any framework agreement.
The result from our bike lease calculator is a personalized estimate based on three key factors:
The key advantage of leasing a bike through your employer lies in the payment method and the government incentives.
An e-bike with a purchase price of €3,000 costs you approximately €57 net per month under the Dienstrad leasing program, even though the gross leasing payment is approximately €88. The difference results from salary conversion and the 0.25 percent rule.
Table: Sample Calculation for E-Bike Leasing via Salary Deduction (Purchase Price: €3,000)
| Calculation step | Amount per month | Explanation |
|---|---|---|
| Price of the e-bike (MSRP) | 3.000 € | Basis for Lease Payments and Non-Cash Benefits |
| Gross Lease Payment | approx. 88 € | Deducted directly from gross pay (salary conversion) |
| − Savings on taxes and social security contributions | about 35 € | Taxable income is reduced by the lease payment |
| Monetary benefit (0.25% of the MSRP) | 7,50 € | 3,000 € × 0.25% is added to the gross salary |
| + Taxes and levies on the monetary benefit | about 4 € | Taxation of the Personal Use of a Company Bike |
| = Actual net cost | approx. 57 € | 88 € − 35 € + 4 € |
| Savings compared to the gross lease payment | approx. 31 € (approx. 35%) | Difference between €88 and €57 |
Assumptions for this example: Purchase price of €3,000 (including VAT), lease term of 36 months, insurance included in the monthly lease payment. The savings depend on your gross salary, tax bracket, federal state, and child tax credits.
Important: This sample calculation provides only a rough idea of how the lease payment and savings are calculated. For personalized and reliable figures, please use our Dienstrad lease calculator.
You've seen just how affordable your dream bike can be. The next step is the best part: Find it now at one of our more than 5,500 authorized dealers near you or online, and embark on a mobile future—with plenty of financial benefits.
How much a company bike actually costs you per month through eurorad depends primarily on two factors: the purchase price of the bike and your gross salary. In addition, the scope of insurance coverage and your personal tax circumstances—such as your tax bracket or church tax liability—also affect the final cost.
The key point about company bike leasing through salary conversion: You don’t pay the full gross lease payment, but only the significantly lower net amount. This is because the lease payment is deducted from your gross salary, which means you pay less income tax and social security contributions. At the same time, personal use is taxed at a low rate under the 0.25% rule. All in all, this usually saves you a significant amount compared to a private purchase.
The eurorad company bike calculator shows you exactly this final amount: your actual monthly net cost.
The eurorad company bike calculator provides you with a reliable estimate of your monthly net cost. It is based on current tax and social security regulations as well as your personal information, such as the purchase price, gross salary, and tax bracket.
The result is a non-binding estimate. The binding lease payment is not finalized until the lease agreement is signed, but it generally does not differ significantly from the calculated amount. Minor differences may arise, for example, if the final purchase price at the dealer, your salary, or your employer’s terms and conditions differ from the information you entered into the calculator.
If you want to thoroughly review your personal tax situation, you can also consult a tax advisor.
Yes, every leasing payment with eurorad already includes comprehensive insurance coverage for your company bike, which applies in the event of theft, damage, or accident-related damage to the bike.
Depending on your needs, eurorad offers several protection packages. Which package you get depends on how you lease:
With eurorad’s company bike leasing program, you have complete freedom of choice: You can lease nearly any type of bike, from e-bikes (pedelecs up to 25 km/h) to mountain bikes, trekking bikes, and road bikes, all the way to practical cargo bikes and electric cargo bikes. The benefits of salary conversion and the favorable 0.25% rule apply equally to all of these bikes.
There is a special provision for S-pedelecs—that is, high-speed e-bikes with motor assistance up to 45 km/h. Legally, they are classified as motor vehicles and are treated for tax purposes as electric company cars.
Yes, even if you’re self-employed or a freelancer, you can lease a bicycle or e-bike through eurorad. Instead of using payroll deduction, you simply claim the monthly lease payment as a business expense, thereby reducing your taxable income. The requirement is that you use the bike for business purposes at least 10% of the time.
A major advantage: The personal use of your bicycle or e-bike (up to 25 km/h) remains completely tax-exempt for income tax purposes through the end of 2030. If you’re eligible for input tax credits, you can also claim a refund of the sales tax included in the lease payments. In return, sales tax is due on personal use, which is generally calculated at a flat rate using the 1% method.
If payroll deduction isn't possible, your employer can also offer the company bike as a salary supplement in addition to your regular pay. Please contact us or your HR department. We'd be happy to explore the options for your organization.