The monthly lease amount is a business expense that you can deduct from your annual profit. Leasing a bicycle is much more affordable than buying. You save minimal 25%.
Do you want to continue cycling after the lease period? No problem! You can take over your leased bike for about 20%. Including takeover, you are up to 35% cheaper than buying privately.
There is no legal minimum for commuting. It is possible to use the bicycle for private purposes only. On the days that you do not use the bike for commuting, you can continue to receive a travel allowance.
When you buy a bike privately and count it as company assets, you are obliged by law to cycle 10% of the kilometres for business purposes. With operational lease, you do not have this obligation. Leasing a bike gives you more freedom.
| Service & Maintenance | Basic All bikes except e-bike |
Standard All bike types |
Premium Only E-bike |
Speedpedelec Only speed-pedelec |
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| Annual budget | 100€ p/year | 150€ p/year | Unlimted | 300€ p/year |
| You receive an annual budget for each package that you can spend on service and maintenance. With the Premium package you have an unlimited annual budget. Below is an overview of all services that fall within the various packages: | ||||
| Annual maintenance |  |
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| Replace (wear) parts | |
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| Replace tires | |
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| Reparations | |
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| Reparation parts | |
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| Road assistance (NL) | |
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| All-risk insurance (EU) | ||||
| Theft | |
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| Damage | |
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| Vandalism | |
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| Total loss | |
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| Liability insurance speed-pedelec |  |
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| Free rental bike (e-bike & speed-pedelec) | 7 dagen | 7 dagen | 7 dagen | 7 dagen |
| Own risk theft | ||||
| Bike | €0 | €0 | |
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| E-bike | |
€0 | €0 | |
| (E-)Cargo bike / road bike / MTB → With tracking |
€0 | €0 | €0 | |
| (E-)Cargo bike / road bike / MTB → Without tracking |
10% | 10% | 10% | |
| Speed-pedelec → With tracking |
€0 | €0 | €0 | €0 |
| Speed-pedelec → Without tracking |
10% | 10% | 10% | 10% |
| Own risk damage | €25 | €25 | €25 | €25 |
| Legal aid accident | |
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The amount of your monthly lease payment depends on your taxable income. The tax saving is calculated based on the corresponding tax scale & various (general) tax credits you pay.
The addition is always 7% of the retail price of the bicycle. This is added to your taxable income, tax is paid on it and then this amount is subtracted from your taxable income again. In practice, the net addition comes down to a few Euros per month. For a bicycle with a recommended retail price of €2500 this is: €2,500 * 7% / 12 months = €14.58 * 37.1% (tax scale) = €5.41 net addition per month.
The lease price is the gross lease amount for the bicycle. This amount, together with the service and insurance package, is deducted from your taxable income, so that you do not have to pay tax on this amount.
€20,00 is the gross amount for the service and insurance package. This amount, together with the lease price, is deducted from your taxable income, which means you do not have to pay tax on this amount. The lease price and the service and insurance package together make up the lease amount you pay to the leasing company each month.
Are you self-employed, do you meet the hour criterion and have you not yet reached the state pension age at the beginning of the calendar year? Then the self-employed tax deduction in 2021 is an amount of € 6.670
The SME profit exemption is a percentage of the profit made by one or more companies. The exemption amounts to 14% of the profit. You must first reduce the profit with the self-employed tax deduction.
The amount of your monthly lease payment depends on your monthly gross salary. The tax saving is calculated on your net salary. Herewith you can see your net salary difference as well as the monthly net costs for your lease bike.
This shows the new taxable income on which you owe tax. You pay relatively less tax, which gives you a tax advantage.
This shows that with a lease bike you save on your taxes. This is because your taxable income is lower with a lease bike than without one.
The additional tax is deducted from this. After all, you have already paid tax on the additional taxable benefit for service, insurance & including the additional taxable benefit.
Your annual income is shown here. This consists of the income after taxes. After the tax payment, the self-employed deduction and 14% profit exemption are added to reach the net annual income.
Here is your net monthly income. This is your annual income divided by 12.
Cycling is not only good for your health, but also for your wallet. Did you know that by leasing a bike, you save at least 35% on the retail price of the bike. You can list the leasing cost as a business expense, reducing your profit tax.
Important: The monthly net cost you see in the calculator (in blue) shows what the lease bike costs per month for a self-employed person, this takes into account the tax benefit (lower profit tax). Are you curious about the gross monthly costs? You can view the costs by clicking on 'Show calculation overview' below the calculator.
Would you like to receive the calculation of your savings by email?
Regeling in de btw
De fietsregeling moet ook verwerkt worden in de btw-administratie van de werkgever. De werkgever krijgt hiermee te maken als hij btw-ondernemer is en de werkgever met btw belaste leveringen of diensten verricht.
Een btw-ondernemer heeft in beginsel recht op aftrek van btw op goederen of diensten die hij voor btw-belaste doeleinden bestemt. Bij privégebruik daarvan dient een correctie plaats te vinden. Voor de btw geldt ook woon-werkverkeer als privégebruik. Voor de fiets die een btw-ondernemer koopt en aan de werknemer verstrekt of ter beschikking stelt, geldt een afwijkende regeling.
Goedgekeurd is dat als de inkoopprijs van de aan de werknemer verstrekte fiets (na aftrek van de eventuele eigen bijdrage van de werknemer*) hoger is dan € 749,- inclusief btw, de aftrek van btw uitgesloten is voor het bedrag dat uitkomt boven € 749,-. Tot de grens van € 749,- inclusief btw komt de btw volledig voor aftrek in aanmerking (mits de ondernemer volledig aftrekgerechtigd is). Buiten deze goedkeuring gelden de normale wettelijke regels.
*Let op: het gaat hier om een netto eigen bijdrage die kan worden verrekend met de bijtelling. Bij Lease a Bike ruilt de medewerker brutoloon, vakantiedagen, bonus, IKB-budget of mobiliteitsbudget uit in ruil voor een leasefiets. Dit heeft dus geen impact op de btw-correctie.
The stories of people that joined the ride.
Absolutely! The bike plan has recently become fiscally lucrative for self-employed people too. The monthly lease amount is a business expense. These costs and expenses result in a lower profit. This in turn provides a tax advantage.
Take the e-bike: the average purchase price nowadays is around € 3,000. With a bike plan, you pay this amount divided into monthly amounts. This leaves more room for other investments.
You can easily combine the untaxed allowance per kilometer with the lease bike. This is how it works:
You are not entitled to the untaxed kilometer compensation for commuter kilometers with the lease bike. But for the kilometers you travel by other means of transportation - such as your own car or public transport - you may continue to pay the kilometer compensation.
Example:
Before the bike plan, you commuted to work five days a week in your own car. You received a kilometer allowance for this. Now that you have a leased bicycle, you cycle to work two days a week and three days a week by private car. This means that you can continue to receive an allowance per kilometer for three days a week.
First you add 7% of the retail price of the bicycle to your income. Then other costs are deducted from this.
Example:
Suppose the new price of the chosen bicycle is € 2,500 and the yearly addition is € 175. If you divide this amount by 12 (months), you arrive at € 14.58 of addition per month. You add this amount to your gross income. This means that each month tax is also paid on this amount. If you then calculate this again, that extra tax comes down to about € 5 per month.
Yes, as a director-major shareholder, you are also legally allowed to use the business lease bike scheme. The application process works the same as for a self-employed person and an employer. Through this link, you can sign up easily and free of charge with your own entity. The monthly lease amount can be offset against any salary or included as a business expense. The advantage is that less tax is paid on wages or profits.
Indeed, as a self-employed person, you also have the option to purchase a bicycle on your business. In the case of a business purchase, the bicycle is counted as business assets and appears on the balance sheet (from €450 purchase value). The tax advantage of buying vs. leasing is, in most cases, the same. For the following reasons, self-employed people choose to lease a bicycle on a business basis instead of buying it on a business basis:
Absolutely! It is also interesting for self-employed people to get a lease bicycle. Would you like to know more? Click here for more information or send your question to us via the contact form.
To support you throughout the journey, we have developed a digital platform that you can use for free. Here you can manage all processes and let all parties (the company you work for, all employees and the bicycle store) come together to arrange everything. The administration is also a breeze: you can arrange most things with one push of a button. Of course we are always there for you if you have any questions about the platform, so that you can enter the leaseplan without any worries.
You can register your business via our website in just five minutes. Once we receive your registration, we will run a credit check. We'll get back to you with the response within two business days. After approval you will receive the terms and conditions, which can be signed digitally. Then you get access to our online platform, activate your account and automatically receive the Lease a Bike order code to choose your bike at the local bike store.
The lease runs for 36 months.
After 36 months, you’ll get the option to take over the leased bike from us for about 15% of the purchase price.
How annoying! Unfortunately this can happen. If your bike is stolen, first report it to the police. It is important that you have both original keys in your possession and that you include the frame number in the report. You can find this number via our platform.
After reporting the theft you go to your Lease a Bike store to fill out a theft form together. This is a digital form that the bike store can find in the platform. The bike store will then request a new bike for you. And in the meantime, you will receive a comparable rental bike - as quickly as possible - for a maximum of seven days. Your contract continues. In case of theft there is no excess, except for a racing or mountain bike. For these bikes, the excess in the event of theft is 10% of the new value.
Do you have a Speed-Pedelec leased bicycle? Then it is necessary to indicate on the report that it is a Speed-Pedelec vehicle. It is mandatory to include the license plate number.
If you notice that you have damage to your bicycle, make an appointment with your Lease a Bike store as soon as possible to fill in a damage form together. This is a digital form that the bike store can find in the platform. After approval, the bike store will repair the damage on the spot. If that doesn’t work, you will be given a comparable replacement bike for a maximum of seven days. Your contract continues as usual. An excess of €25 applies to any damage, except for racing and mountain bikes. For these bikes, the excess is € 50 per claim.
If you have been involved in an accident and there is a third party involved, you can call in the personal injury assistance of DAS. They can hold the insurer of the party that caused the accident liable on your behalf and claim the material and immaterial damage.
Check Das lets injury for more information, or contact the personal injury helpdesk of DAS:
T: 020-6517215
Good to know, they work on a no cure no pay basis. This means that they collect the costs from the insurer of the person who caused the damage. You therefore run no financial risk.
Tip: have you been involved in an accident? Take pictures of the situation and write down the contact details of the other party (parties).
Within each service and insurance package is 24/7 repatriation service included. If you break down on the road you can call the number below and you will be assisted. Please indicate clearly that you have a lease bike from Lease a Bike. The breakdown assistance team provides repatriation throughout the Netherlands and Belgium. From the place where you were stranded to your local Lease a Bike store. If the bike store is not open at that time, you will be taken home.
The phone number of the breakdown assistance team is: 088-1121776.
No, you don't have to. You can visit any Lease a Bike bike store for service and maintenance.
Using the frame number of your bike, the bike store employee can directly deduct the cost of maintenance from your annual budget.
When your bike needs servicing, you can contact a Lease a Bike bike store. By phone or email you can schedule an appointment at your convenience. There are also a number of bicycle stores that offer the possibility to schedule a service online.
Important: Please indicate clearly that it is a lease bike via Lease a Bike and have the contract ID and frame number of your bike ready.
*All service packages include All-risk insurance on damage and theft. And 24/7 repatriation service.
Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the different service packages.
The service packages include repairs, annual maintenance and/or service work caused by wear and tear that affect the user safety or proper functioning of the lease bike.
Tip: In the calculator you will find under ''compare service packages'', an extensive overview with the contents of the various service packages.
Service, including roadside assistance, is included in the fixed lease price. If your bike is repaired on the spot by ANWB roadside assistance and you have paid for this, you can use this form to claim the costs incurred from us, provided your budget is sufficient.
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