With the 2025 tax year approaching, many taxpayers are wondering how to optimise their tax return and increase their disposable income. The flexible compensation, a tool that is still little known, provides access to benefits exempt from personal income tax and maximise tax savings. However, despite its advantages, only the 53,3 % of employees knows her and barely the 5,2 % knows that it can allocate up to 30 % of his gross salary to this type of services.
To help teams understand how to maximise their savings and increase their disposable income, Edenred, the multi-solution digital platform specialising in employee engagement and social benefits, presents a guide with the most important key points on the impact of flexible compensation on tax returns.
The 2025 tax campaign will begin on April 2nd, 2025. From that day until June 30th, taxpayers can submit their tax returns online, with all information about their income, deductible expenses, and other tax matters that occurred during the fiscal year.
In this context, flexible remuneration presents itself as a key tool to optimising wages and reduce the tax burden. This system allows a portion of the gross salary to be earmarked each month for certain tax-exempt benefits. Income Tax; This means that the goods and services offered by companies such as Ticket Restaurant, nursery vouchers, or transport are not considered part of the gross salary subject to tax.
As he explains Manuel Asla, Marketing and Product Director at Edenred Spain, “if a person intends to €1,980 per year to their meals through from Ticket Restaurant, i.e. in Flexible remuneration, this amount will be exempt from tax matters, increasing your net income. Without this system, you would have to pay a 20 % in personal income tax, which would mean losing 396 euros of their disposable income.”
To better understand the impact, if we take as a benchmark the Average salary in Spain in 2022 (26,948.87 euros according to the INE), a worker who uses flexible remuneration in Ticket Restaurant and Edenred Movilidad Could save up to 1.023,30 euros a year, If you were to spend part of your salary on these benefits for 11 months, before taxation.
According to Edenred, it is important to highlight that participation in flexible remuneration schemes is volunteer and it cannot be imposed by the company. Furthermore, the amount allocated for these benefits cannot exceed 30% of gross salary of professionals.
One of the key aspects of flexible remuneration is that the company automatically applies the exemption on the payslip, so when accessing the draft tax return, these amounts already appear excluded in the employment income box. This means that:
«During tax season, the benefits of flexible remuneration become even more apparent. This tool not only allows for real tax savings for teams but also strengthens companies» value proposition, positioning them as workplaces more committed to the well-being of their teams.», Asla stresses.
