What does a lease bicycle cost me as an employee in 2025?
That depends on your personal salary parameters, which bicycle you lease, what you include in your lease package and the number of months you lease. Discover here exactly what a lease bicycle costs and how to calculate the lease price.
Want to know immediately how much your lease bicycle costs? Calculate your lease price quickly and easily with our calculator.
You might find this interesting as well:
- To buy or to lease a bicycle - which is cheaper?
- Why does bicycle leasing offer so many tax benefits?
- What are the effects of bicycle leasing on your pension?
How much do you pay for a lease bicycle in 2025?
The average lease price for a bicycle in 2025 is 62 euros net a month. For this price, you lease a bicycle with a purchase price of 4,942 euros. Thanks to leasing you end up paying just 3,282 euros for that bicycle. That's an advantage of 1,660 euros.
But perhaps you don't want a bicycle worth 4,942 euros. What are the costs of a lease bicycle if you want a bicycle worth 2,000 euros? Or one worth 8,000 euros? The cost of a lease bicycle depends on four things:
- Which bicycle you lease
- Your personal salary parameters
- What you include in your lease contract
- The number of months your contract lasts (36 or 48)
How do I calculate the lease amount for a bicycle?
Calculate your lease price quickly and easily with our calculator. Enter the price of your desired bicycle using the sliding bar and immediately see an estimate of the lease price. Please note: the calculator calculates your lease price based on averages.
Want to know exactly what your lease bicycle costs you? Create an o2o-account and calculate exactly how much bicycle leasing costs you based on your personal salary parameters and what you include in your lease package.
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What does a lease bicycle cost: a number of calculation examples
What is the lease price for your lease bicycle? Below, you will find the calculation for several popular bicycle models.
The price via leasing is the price you pay over three years for the entire package. That includes maintenance budget, protection against damage and theft, and takeover at a residual value of 16%.
For convenience, we have assumed averages as regards gross wage and income tax / social security. The calculation is based on a term of 36 months and a residual value of 16%. This amount is the simulated benefit through o2o Bicycle Leasing compared to the same package for an individual purchase.
Electric bicycle Gazelle - 3-year leasing
List price: 4,299 euros
Price via leasing: 2,991 euros
Net monthly lease price: 55.12 euros
Speed pedelec Stromer - 3-year leasing
List price: 8,118 euros
Price via leasing: 5,347 euros
Net monthly lease price: 96.55 euros
Cargo bicycle - 3-year leasing
List price: 6,490 euros
Price via leasing: 4,315 euros
Net monthly lease price: 78.39 euros
What is included in the lease price?
That's entirely up to you. Of course, your choice of bicycle is the main aspect determining your lease price. But, in addition, it is your decision what you include in your lease package. Your lease price is calculated based on your personal lease package. That comprises:
- Bicycle accessories
- Lease of a bicycle for three or four years
- Obligatory protection against damage and theft
- Maintenance budget: choose for yourself how much budget you want
- Optional services, such as breakdown assistance, additional warranty insurance and civil liability cover for speed pedelecs
Thanks to the gross salary exchange formula, a small amount is deducted from my salary each month for my lease bicycle. I don't have to worry about anything, because maintenance and cover are included. So easy!"– Helena, SEA Invest
Is leasing a bicycle really cheaper than buying one?
When you lease a bicycle through your employer and do so in exchange for gross salary, then leasing a bicycle is up to 40% cheaper than actually buying one. How can that be? We tell you in our blog: To buy or to lease a bicycle - which is cheaper?
Included in gross salary exchange:
- Bonuses
- Days of holiday
- End-of-year bonus
- Monthly gross salary exchange
What is the takeover price of a lease bicycle?
The takeover price is 16% or 20%, depending on your employer. At the end of your lease period, you can take over the lease bicycle. But there is no obligation at all. If you calculate the lease price in our calculator, takeover at the residual value is always included in the calculations.
Is bicycle leasing disadvantageous for your pension?
Bicycle leasing is not disadvantageous for your pension. It does affect your pension because you pay for your lease bicycle with your gross salary. An in-depth study by Deloitte shows that the impact on your pension is minimal, certainly with the fiscal benefit that you gain on your lease bicycle.
Discover all about the minimal impact of bicycle leasing on your pension
How you can quickly earn back your lease price
What if we tell you that, for some people, bicycle leasing is even a zero operation? How so? With the bicycle allowance. This is a net amount that you receive monthly for the kilometres that you cycle to and from your work.
Calculation example:
3 (days a week) x 16 (kilometres a day) x 0.36 (bicycle allowance per km) x 4 (weeks a month) = 69.12
Say you lease a bicycle that would cost you 5,000 euros in the shop. Through leasing, you will pay a net monthly amount of 62.50 euros. Three times a week, you cycle 16 km to work (there and back) and get a bicycle allowance of 0.36 cent per kilometre. As such, you pedal your way to a monthly sum of 69 euros, earning back your net lease price.
