New at Hrmony: HelloBonnie by Hrmony
We are expanding our portfolio with the modern HelloBonnie benefit card. Benefit now from a modular system that combines tax-optimized budgets with the freedom of a Mastercard directly within the Hrmony platform.
Net salary optimization makes it possible to offer employees more net income from gross pay – while at the same time saving on employer payroll costs. Instead of a traditional salary increase, where a large portion is lost to taxes and contributions, you rely on tax-free or tax-advantaged benefits.
The principle: Benefits instead of gross salary increase
The core of net salary optimization lies in the use of government-subsidized non-cash benefits. These are tax- and social security contribution-free up to certain exemption limits – or are only subject to flat-rate taxation.
For your employees: The value of the benefit is received directly without or with very minimal deductions – compared to a gross salary increase, where often less than half is actually paid out.
For you as a company: You save the employer's share of social security contributions that would normally be incurred with a gross salary increase.
Comparison: Salary increase vs. non-cash benefit
| Traditional Salary Increase | Non-cash Benefit via HelloBonnie | |
|---|---|---|
| Tax and contribution burden | High – for employer and employee | None or flat-rate |
| Net value for employees | Significantly less than the gross amount | Equals the full benefit value |
| Payroll costs for employer | Incurred in full | Eliminated or reduced |
| Administrative effort | Low | Low |
Which benefits are suitable for net salary optimization?
With HelloBonnie by Hrmony, the following tax-free or tax-advantaged benefits can be used:
| Benefit | Tax treatment |
|---|---|
| €50 non-cash benefit | Tax- and social security contribution-free up to €50 per month |
| Non-cash gifts | Tax-free up to €60 per occasion |
Would you like to set up net salary optimization for your company? Our sales team will be happy to advise you. 👉 Book a demo
⚠️ Note:
Hrmony GmbH does not provide legal or tax advice. The information provided on this website is for general informational purposes only and does not constitute legal or tax recommendations. It does not replace individual advice from qualified legal or tax consultants.