Tool
Salary sacrifice visualiser
See how much the Bike-to-Work scheme and Tax Saver Commuter ticket actually save you.
Both schemes reduce your gross salary before tax — so you save PAYE, USC, and PRSI on the full sacrificed amount. Figures use Budget 2026 standard rates.
Your annual gross salary
€42,000
€15,000€120,000
🚲 Bike-to-Work
€1,000
€200€1,500 cap
Bike cost€1,000
Tax saving−€281(28.1%)
Net cost to you€719
Available once every 4 years per employer. Your employer must purchase the bike on your behalf — you repay via salary deductions.
🚌 Tax Saver Commuter
€1,470
€200€3,000
Annual pass€1,470
Tax saving−€413(28.1%)
Net annual cost€1,057
Monthly saving: €34. Renewable annually — no limit on how often you use this scheme.
Combined tax saving
Bike-to-Work
€281
Tax Saver (annual)
€413
Total saved
€694
How salary sacrifice works
- Your employer purchases the benefit (bike or commuter pass) directly.
- The cost is deducted from your gross salary before tax — so you avoid PAYE, USC, and PRSI on that amount.
- Bike-to-Work can only be used once every 4 years per employer. Equipment includes helmets, locks, and safety gear.
- Tax Saver tickets must be purchased through a Revenue-approved scheme. Check with your payroll department.
- Both schemes require employer participation — your employer must opt in.