{"id":44567,"date":"2025-12-12T16:31:00","date_gmt":"2025-12-12T15:31:00","guid":{"rendered":"https:\/\/www.edenred.es\/?p=44567"},"modified":"2026-01-08T11:06:52","modified_gmt":"2026-01-08T10:06:52","slug":"como-calcular-el-ahorro-por-retribucion-flexible","status":"publish","type":"post","link":"https:\/\/www.edenred.es\/en\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/","title":{"rendered":"How to calculate flexible compensation savings?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"44567\" class=\"elementor elementor-44567\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9314bad e-flex e-con-boxed e-con e-parent\" data-id=\"9314bad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81e9ff0 elementor-widget elementor-widget-text-editor\" data-id=\"81e9ff0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"wp-block-heading\">\u00a0The <a href=\"https:\/\/www.edenred.es\/en\/flexible-compensation\/\">flexible compensation<\/a> has become one of the most effective ways for employees to increase their take-home pay without additional cost to the company. However, one of the most frequently asked questions is: <a href=\"https:\/\/www.edenred.es\/en\/blog\/retribucion-flexible-mil-euros-ahorro\/\">how much can i save with flexible compensation?<\/a> And above all <strong>how exactly do you calculate the savings?<\/strong><\/p>\nIn this article we explain it step by step, with practical examples and answering key questions. You will also find out how to use Edenred's flexible compensation calculator to obtain a<strong> accurate simulation in less than a minute.<\/strong>\n<h2 class=\"wp-block-heading\">Calculating flexible compensation savings step by step<\/h2>\n<h3 class=\"wp-block-heading\"><strong>1. Identify your gross annual salary and your personal income tax bracket.<\/strong><\/h3>\nThis is the starting point for any calculation and one of the most important steps to get a realistic simulation of your savings. The <strong>gross annual salary<\/strong> determines your initial taxable income, whereas your <strong>personal income tax bracket<\/strong> defines the percentage of tax you will pay. Both of these factors directly influence how much you can save with flexible compensation.\n\nTo start with, locate your gross salary in your contract or annualised salary statement. For example, if your salary is <strong>30.000 \u20ac gross per year<\/strong>, This is the value you will use as a reference. From here, you should <a href=\"https:\/\/www.edenred.es\/en\/blog\/irpf-y-retribucion-flexible-como-afecta-la-nomina\/\">identify which personal income tax bracket you are in<\/a>, The tax rate for each tax bracket is different. Knowing your bracket will help you to estimate more accurately how much tax you will avoid paying when you reduce your tax base through flexible compensation.\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" class=\"wp-image-41580\" src=\"https:\/\/www.edenred.es\/wp-content\/uploads\/2025\/12\/image.png\" alt=\"\" \/><\/figure>\n<strong>Example applied to a gross salary of 30,000:<\/strong>\n\nThe relevant sections would be as follows:\n<ul class=\"wp-block-list\">\n \t<li>Up to 12,450 \u20ac \u2192 19%<\/li>\n \t<li>From 12.450 \u20ac to 20.200 \u20ac \u2192 24%<\/li>\n \t<li>From 20.200 \u20ac to 35.200 \u20ac \u2192 30%<\/li>\n<\/ul>\nIn this case, the salary of \u20ac30,000 falls into the bracket from \u20ac20,200 to \u20ac35,200, the marginal rate of which is \u20ac30,000. <strong>30%<\/strong>. <strong>This does not mean that you pay a 30% for your entire salary.<\/strong>, The taxable income of the employer is not the same as that of the employee, but only for the part of the salary that is in that bracket.\n\nThis is how your taxation would be distributed:\n<ul class=\"wp-block-list\">\n \t<li><strong>Up to 12,450 \u20ac \u2192 19%<\/strong><\/li>\n \t<li><strong>From 12,450 \u20ac to 20,200 \u20ac (7,750 \u20ac) \u2192 24%<\/strong><\/li>\n \t<li><strong>From 20,200 \u20ac to 30,000 \u20ac (9,800 \u20ac) \u2192 30%<\/strong><\/li>\n<\/ul>\nThe percentage corresponding to the last tranche you are in is known as the <strong>Marginal personal income tax<\/strong>, and is key to calculating your potential savings with flexible compensation.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2549f65 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2549f65\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.edenred.es\/en\/calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">We'll calculate it for you in less than a minute! <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8d1c5 elementor-widget elementor-widget-text-editor\" data-id=\"aa8d1c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"wp-block-heading\"><strong>2. Check which products are exempt from personal income tax and their limits.<\/strong><\/h3>\nBefore proceeding with the calculation, it is important to identify which products of the flexible compensation plan enjoy tax exemption and up to what amount.\n\nThese limits determine the actual savings you will be able to make and prevent you from exceeding the amounts allowed by the regulations:\n<ul class=\"wp-block-list\">\n \t<li><a href=\"https:\/\/www.edenred.es\/en\/ticket-restaurant\/\">Ticket Restaurant<\/a>: <strong>to<\/strong> <strong>11 \u20ac\/day<\/strong> exempt from personal income tax<\/li>\n \t<li><a href=\"https:\/\/www.edenred.es\/en\/ticket-transporte\/\">Transport and mobility<\/a>: <strong>up to 1.500 \u20ac\/year<\/strong> exempt from personal income tax<\/li>\n \t<li><a href=\"https:\/\/www.edenred.es\/en\/ticket-guarderia\/\">Nursery<\/a>: <strong>up to \u20ac1000 per year per child <\/strong>exempt from personal income tax<\/li>\n \t<li><a href=\"https:\/\/www.edenred.es\/en\/seguro-de-salud-empresas\/\">Health insurance<\/a>: <strong>up to \u20ac500 per year per policy <\/strong>exempt from personal income tax<\/li>\n<\/ul>\nThe products you will be able to choose from will depend on the <a href=\"https:\/\/www.edenred.es\/en\/blog\/como-montar-programa-retribucion-flexible\/\">flexible compensation plan implemented in your company.<\/a>\n<h3 class=\"wp-block-heading\"><strong>3. Determine how much you will allocate to flexible compensation and calculate your new taxable income.<\/strong><\/h3>\nOnce you know your gross salary and your personal income tax bracket, the next step is to <strong>decide how much you want to spend on flexible compensation<\/strong> and how this will affect your taxable income. This decision will depend on the products offered by your company (such as food, transport, childcare or training) and the tax limits set for each.\n\nFor example, if you decide to allocate <strong>1,496 to transport <\/strong>(the maximum that can be spent per year) and <strong>2.420 \u20ac to food <\/strong>(11\u20ac\/day for 20 days per month, for 11 months), <strong>26,084 gross remains, <\/strong>which will be the new tax base.\n<h3 class=\"wp-block-heading\"><strong>4. Calculate how much income tax you will pay and the final savings from flexible compensation.<\/strong><\/h3>\nTo this tax base <a>a personal income tax rate of 14.26% is applied, <\/a>so you will pay 3.719,51\u20ac of IRPF and you will be left with 22.364,49\u20ac of net salary,<strong> with a saving of \u20ac1,100.20.<\/strong>\n\n<strong>In a nutshell: <\/strong>\n<figure class=\"wp-block-image aligncenter size-full\"><img decoding=\"async\" class=\"wp-image-41582 aligncenter\" src=\"https:\/\/www.edenred.es\/wp-content\/uploads\/2025\/12\/image-1.png\" alt=\"\" \/><\/figure>\n<p style=\"text-align: center;\"><strong>Do you want to know your savings in less than a minute?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02a6212 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"02a6212\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.edenred.es\/en\/calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Use our Flexible Remuneration Savings Calculator!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e479fc9 elementor-widget elementor-widget-text-editor\" data-id=\"e479fc9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">In which flexible compensation products can I save the most?<\/h2>\nSavings depend on the type of product and its level of tax exemption:\n<ul class=\"wp-block-list\">\n \t<li><strong>Restoration<\/strong> \u2192 significant savings due to the daily exemption<\/li>\n \t<li><strong>Public transport<\/strong> \u2192 depends on how much you use it, the more you use it, the more you save (up to 1,500 \u20ac per year exempted).<\/li>\n \t<li><strong>Nursery<\/strong> \u2192 as it is compatible with other state and autonomous community aid it is very advantageous<\/li>\n \t<li><strong>Health insurance<\/strong> \u2192 Depending on the policy you take out, you can save a lot of money.<\/li>\n<\/ul>\nIf you want to compare savings between products, the <strong>Edenred's flexible compensation savings calculator<\/strong> will show you which is most beneficial for you.\n<h2 class=\"wp-block-heading\">Does flexible compensation affect my contribution?<\/h2>\n<strong>No<\/strong>. Although you pay less personal income tax, you continue to pay contributions as usual, since the contribution is based on the <strong>total gross salary<\/strong>, not in the tax base after the application of flexible compensation.\n\nThis means that <strong>does not affect your pension, benefits or employment rights.<\/strong>.\n<h2 class=\"wp-block-heading\">What happens if I do not spend the full allocation?<\/h2>\nIt will depend on the policy of each company, but in general:\n<ul class=\"wp-block-list\">\n \t<li>On products such as catering or transport, if you do not consume the allocated amount, it may be lost or accumulated.<\/li>\n \t<li>In childcare, spending is usually adjusted on a monthly basis, so there is usually no surplus or waste.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-811fe91 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"811fe91\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.edenred.es\/en\/calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I want to calculate my savings with Edenred!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00a0La retribuci\u00f3n flexible se ha convertido en una de las f\u00f3rmulas m\u00e1s eficaces para que las personas trabajadoras aumenten su salario neto sin que la empresa tenga que asumir un coste adicional. Sin embargo, una de las preguntas m\u00e1s habituales es: \u00bfcu\u00e1nto me puedo ahorrar con la retribuci\u00f3n flexible? Y sobre todo \u00bfc\u00f3mo calcular exactamente [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":44568,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[205],"tags":[],"class_list":["post-44567","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-herramientas-rrhh"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfC\u00f3mo calcular el ahorro por retribuci\u00f3n flexible? - Blog edenred<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.edenred.es\/en\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfC\u00f3mo calcular el ahorro por retribuci\u00f3n flexible? - Blog edenred\" \/>\n<meta property=\"og:description\" content=\"\u00a0La retribuci\u00f3n flexible se ha convertido en una de las f\u00f3rmulas m\u00e1s eficaces para que las personas trabajadoras aumenten su salario neto sin que la empresa tenga que asumir un coste adicional. Sin embargo, una de las preguntas m\u00e1s habituales es: \u00bfcu\u00e1nto me puedo ahorrar con la retribuci\u00f3n flexible? Y sobre todo \u00bfc\u00f3mo calcular exactamente [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\" \/>\n<meta property=\"og:site_name\" content=\"Edenred Espa\u00f1a\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-12T15:31:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-08T10:06:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.preprod.edenred.es\/wp-content\/uploads\/2026\/01\/2147860704.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Edenred Espa\u00f1a\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Edenred Espa\u00f1a\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\"},\"author\":{\"name\":\"Edenred Espa\u00f1a\",\"@id\":\"https:\/\/www.edenred.es\/#\/schema\/person\/db6f26a07c0444f1b39653abdc5afd5c\"},\"headline\":\"\u00bfC\u00f3mo calcular el ahorro por retribuci\u00f3n flexible?\",\"datePublished\":\"2025-12-12T15:31:00+00:00\",\"dateModified\":\"2026-01-08T10:06:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\"},\"wordCount\":935,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.edenred.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.edenred.es\/wp-content\/uploads\/2026\/01\/2147860704.jpg\",\"articleSection\":[\"Herramientas RRHH\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\",\"url\":\"https:\/\/www.preprod.edenred.es\/blog\/como-calcular-el-ahorro-por-retribucion-flexible\/\",\"name\":\"\u00bfC\u00f3mo calcular el ahorro por retribuci\u00f3n flexible? 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Sin embargo, una de las preguntas m\u00e1s habituales es: \u00bfcu\u00e1nto me puedo ahorrar con la retribuci\u00f3n flexible? 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