Free tool · Company car
Am I better off swapping my car for a mobility budget?
Updated on
Since 1 November 2026, withholding tax on pay has been calculated differently (Royal Decree of 27 September 2026). The calculations on this page still follow the previous rules: for pay received from 1 November, withholding tax and net pay may differ. Update in progress.
What you receive net if you swap your company car for a mobility budget. 2026 example: for €5,000 in cash, €3,097 net.
What the tool calculates
Enter the annual budget replacing your company car and how it is split across the three pillars (greener car, sustainable mobility and housing, cash balance). Indexo calculates what you keep net and compares it with the same sum paid as salary.
What it does not cover
The mobility budget must be offered by the employer and follows precise rules set by law. The tool is not advice.
Mobility budget
Complete the sentences: the result appears as you go, with the source of each amount. Nothing is sent: everything is calculated in your browser.
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Gross-to-net salary 2026 in Belgium: what you really keep
Salary, civil service pay, student job, flexi-job, business and employment cooperative or self-employed work: a few questions, one at a time. Start from your gross pay or the net you are aiming for. You can skip questions; the result will say clearly what we assumed.
- 1Your job or your status
- 2A few questions, one at a time
- 3Your net pay, line by line and sourced
Belgian parameters in force on . Each line of the result links to its source. No data is stored or sent: everything is calculated in your browser.
Which status pays you the most?
Changing jobs, thinking of joining Smart, starting out on your own, or torn between two offers? Compare the net pay of each option over the year, including what does not show on the payslip: unemployment, holiday pay, deductible expenses.
What next?
- Bonuses and holiday pay: how much net?What you really keep from a bonus, overtime or replacement work, on the payslip and after tax.
- Actual expenses or lump sum?Commuting by motorbike or scooter, a home office: compare your proven expenses with the legal lump sum.
- All toolsThe full list of Indexo’s free tools.
Sources
Parameters in force on 1 October 2026. Each parameter links to its source, the official one where it exists; a secondary source is flagged as such.
- Budget mobilité en 2026 : montants et piliers, Partena Professional (secondary source).
- Traitement social et fiscal du troisième pilier du budget mobilité, Securex (secondary source).
- Report du budget mobilité obligatoire à 2027, Partena Professional (secondary source).