Bye Bye Buy. Hello lease.

The benefits of leasing a bike as a self-employed person.

Ua Klein
Urban Arrow Family
Electric Cargo Bike €5290,-
Cannondale Supersix Evo 1
Cannondale Supersix Evo 1
Race bike €6.999,-
Img Ultimatespeedsaturnbluemat
Gazelle Ultimate Speed
Speed Pedelec €4199,-
Gazelle Van Stael Stadsfiets
Gazelle Van Stael
City bike €849,-
Cervelo Aspero 5 Gravel Bike
Cervelo Aspero 5
Gravelbike €3.299,-
Img Ultimatec8plushmbchampionred Min
Gazelle Ultimate C8+HMB
E-Bike €3299,-
Monthly cost
You save vs buying
Calculate what you save

The benefits of leasing a bike as a self-employed person.

Ico Euro Green

Tax benefit

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%.

Ico Happy Green


Don't worry about unexpected costs. Your lease amount includes insurance, maintenance and 24/7 breakdown assistance. We've got you covered.

Ico Bikecarcombi

Own the bike

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.

Ico Finger

Purchase price

By leasing, you don't have to pay a large purchase price, but only a small amount per month. This leaves you with more budget to invest in other things.

All you need to know about leasing a bike

Lease a bike on a business basis

Implementing a bike plan as a self-employed offers you a fiscal advantage. The lease amount is deductible from your profit and not in salary. The lease costs can be entered as business expenses, which reduces your profit tax.

VAT deduction

The lease amount is a business expense, since it is deducted from the profit you pay yourself. The maximum VAT deduction for the lease bike is €749 (€130 VAT) per 36 months. This must be corrected (year-end) in the VAT return.

Fixed addition

The fixed addition is 7% of the recommended retail price. This because you are able to ride your bike in your spare time as well. All bike kilometres are considered private, so the addition is always mandatory.


You are not entitled to the small-scale investment deduction (KIA), environmental investment deduction (MIA) or the VAMIL because Lease a Bike is a fully operational lease.

Work versus private use

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.

Lease versus private purchase

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.

Other allowances

You are not entitled to the Small-scale Investment Allowance (KIA), Environmental Investment Allowance (MIA) and the VAMIL because it concerns a full operational lease. In addition, VAMIL and MIA are only applicable for speed pedelecs and cargo bikes

Power to the padel

Calculate your savings

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.

Select calculator
Choose a bike type
Retail price
Annual revenue
Other business expenses
Service & insurance package
Till €100 / jaar
Till €150 / year
Old net monthly income
- -
New net monthly income
- =
Monthly net costs
Incl. service- & insurance package

Total savings
Show calculation overview

Without a lease bike
With a lease bike
Gross income
Other business expenses
Annual addition
Annual gross lease price
Incl. service- & insurance package
Earned income
Self-employed deduction
14% profit exemption
Taxable income
Tax remittance
Annual addition (7% ruling)
Net yearly income
Net monthly income
Due to the tax benefit, the monthly net costs for your lease bike are only:
Incl. service- & insurance package
Total savings compared to private purchase?
Without a lease bike
With a lease bike
Service & Insurance costs
Estimated purchase price after lease period
Buy the bike?
Total costs including service insurance
Total savings
-% compared to private purchase
Receive your calculations

Would you like to receive the calculation of your savings by email?

Success! We have emailed this calculation to you.
Please enter a valid email address.
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. In addition, prices may change as long as no lease contract has been concluded. This calculation is therefore indicative and may differ from the final amount to be paid.

Request your information package

Receive a complete overview immediately


Compressed Test Medium

How it works


Sign up

Fill out the registration form with your company details. After your registration we will do a credit check. Within 24 hours on weekdays you will hear whether the application has been approved.



You will receive your lease contract by e-mail. Everything all right? Sign your contract digitally via DocuSign. Without any paperwork. 


Get on the bike

Your company is added to our platform. Now you choose the bike of your dreams. The sky is the limit: you can choose from any type of bike and brand. 



We've got you covered. An export of our digital platform provides you with all the necessary information for your administration. 

Choose from all types of bikes from more than 350+ brands

Gazelle Logo
Cortina Goodrides
Urban Arrow Logo A Black Yxjfmtqznxg2mzhfzf8xx3buz18vx2fzc2v0l19wdwjsawmvdxjiyw4tyxjyb3c 21af23d2
Veloretti Logo 1080 X 540 Px
Cervelo Logo Black
Giant Bicycles
Kh Logo Combo 3mm Schwarz Rz 002
2560px 2018 Trek Logo Word Mark Wiki Svg

Bike explorer

find bike

Find my bike

find dream bike

What others say

The stories of people that joined the ride.

Testimonial Size testimonial orange
The whole process was easy to arrange. It was smooth and simple. The contact with the local bike dealer was also very nice.
Sandra Heijink
Img Womaneheavy testimonial orange
Having the joys but not the burdens. That’s the most important thing for me. With this arrangement, I have chosen convenience. I like the idea that everything is well taken care of in case of unexpected damage or theft of the bike.
Ine de Reus
Img Blackbike testimonial orange
A huge compliment to the dealer for helping me and taking care of everything. Digital is not my strong suit. Nevertheless, it went very easily.
Leo van Eeden
Group 33

Step on a lease bike!

I still have a question
Contact us
I want to register
I am a self-employed entrepreneur, is it possible to lease a bicycle?

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.

What about the untaxed allowance per kilometre?

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.


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.

How does the 7% tax benefit work?

First you add 7% of the retail price of the bicycle to your income. Then other costs are deducted from this.


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.

As a DGA, can I also lease a bicycle?

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. 

As a self-employed person, why lease the bicycle on a business basis instead of purchasing it on a business basis?

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:

  • Insurance, maintenance and 24/7 roadside assistance are included
  • No mandatory 10% mileage registration as with a business purchase and therefore no administration since with leasing you pay 7% additional tax on private use
  • You pay in installments, so you do not have to make a large investment
  • With leasing you have the freedom to take over the bike after 3 years, stop using the bike and/or switch to a new type or brand of bike
I am self employed, am I also eligible for the new bike plan?

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.

How do I arrange the administration?

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.

What does the registration process look like?

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.

How long does the lease contract run?

The lease runs for 36 months.

What happens to the bike after 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.

My bicycle has been stolen, what do I do now?

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. 

I've had damage to my bike, what do I do now?

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.

I have damage caused by someone else, what do I do now?

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).

I have trouble on the road, what do I do?

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.

If I leased my bike from bike store X, am I obligated to have service and maintenance done at that same bike store?

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.

I want to bring my bike for maintenance, now what?

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.

  • The contract ID can be found in the mailings from or in your own environment in the platform. After logging in, click on contracts to open the contract. Then you will see the contract number at the top.
  • The frame number can be found under contact details, as well as other details of your bike, accessories and your chosen service and insurance package.
What service packages are there and what is the difference?
  • Basic Package: has a budget of €100,- (incl. VAT) per year which you can spend on service and maintenance.
  • Standard package: has a budget of €150,- (incl. VAT) per year which you can spend on service and maintenance.
  • Premium package: everything is reimbursed, so there are no risks (only available for e-bikes)
  • Speed pedelec package: has a budget of €300,- (incl. VAT) per year reimbursed (including third-party insurance)

*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.

What is included in service and maintenance?

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.

I paid for my repair on the spot, how do I claim these costs?

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.

Send us a message