Reading time: 5 min · By the KOMUT Bikes team
Bike leasing through your employer promises savings of up to 40%. But how much does your net pay actually fall each month? Here is how it works, with worked examples and the conditions to meet.
In brief
- Paid gross the monthly fee is deducted before social security and tax.
- About half of the gross monthly fee shows up in your net pay.
- €0.37 per km tax-free cycling allowance in 2026, if your employer pays it.
01
How it works: a bike paid from your gross salary
Your employer leases the bike from a leasing company for a fixed term, often 36 months. In the most common formula, you give up part of your gross salary each month, equal to the lease fee.
Because that amount is deducted before social security (13.07%) and tax, your net pay falls much less than the monthly fee. And private use of the bike is not taxed as a benefit in kind, under certain conditions.
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Worked examples
| Gross monthly fee | Net cost, 40% rate | Net cost, 45% rate |
|---|---|---|
| €100 | ≈ €50 | ≈ €45 |
| €150 | ≈ €75 | ≈ €68 |
| €200 | ≈ €99 | ≈ €90 |
Example: €150 gross a month over 36 months comes to €5,400. The net cost is about €2,685 at the 40% rate and €2,434 at the 45% rate. Indicative figures using 13.07% social security and 7% municipal tax.
Some employers also pass on the saving on their own employer contributions, making the net cost even lower. And if the company pays for the bike in full, it costs you nothing.
Work out your own case with our simulator
On top: the cycling allowance
If your employer pays it, the cycling allowance is tax-free up to €0.37 per km in 2026, capped at €3,700 a year. It can be combined with a company bike. Example: 10 km each way, 3 days a week for 45 weeks, brings in about €999 net a year.
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The conditions
- Actually use the bike for your commute.
- Be taxed on flat-rate professional expenses, not actual expenses.
- Keep accessories to 20% of the total lease cost.
- At the end of the contract, any buy-out is at no less than 15% of the purchase price.
These rules also apply to e-bikes and speed pedelecs. Your employer and leasing partner will confirm the details of your contract.
04
How to get started at KOMUT
Check with your HR department which leasing partner your company uses. We work with seven of them: come and test your favourite bikes in one of our three Brussels stores, then we prepare the quote and coordinate the file.
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05
Frequently asked questions
Yes for most employees: because it is paid gross, the net cost is often about half the monthly fee, with servicing and insurance included depending on the plan.
Depending on the plan, you return the bike, choose a new one or buy it at its residual value, at least 15% of the purchase price.
Yes, cargo bikes, longtails, folding bikes and speed pedelecs are eligible, within your employer’s budget.
Ready for a company bike?
Free test ride in our three stores and a tailored quote with your leasing partner.
Uccle, Saint-Gilles and Woluwe-Saint-Pierre · Tuesday to Saturday, 10am to 6pm · walk-in test rides