Would you like your compensation to go beyond salary?

Both you and your company can save money and time through the benefits Coverflex offers.
Tax optimisation: benefits that are exempt from IRS and SS
Benefits, insurances, discounts and meal allowance: all in one
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employee
Employee Compensation Calculator
Location
What is your relationship status?
Do you have kids in your family?
Do you already have a meal allowance?
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Daily value
Days
Vencimento Base
Outros rendimentos isentos
What is your gross salary?
1 200€
How much to allocate to Coverflex Wallet?
1 200€
Your annual net gain
!
How much Coverflex Wallet increases your net compensation per year
{[{ result.net_gain | ceil }]}€
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A tua calculadora de compensação
Location
Qual é o teu estado civil?
Número de dependentes?
Já tens um cartão de refeição?
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Daily value
Days
Vencimento Base
Outros rendimentos isentos
Quanto queres alocar ao teu salário bruto?
1 200€
Quanto queres alocar em benefícios?
1 200€
Por ano vais ganhar:
!
Pelas nossas contas, os benefícios da Coverflex podem aumentar o teu salário líquido até este valor.
{[{ result.net_gain | ceil }]}€
Sem benefícios
Coverflex
Employee Total Compensation
Monthly

{[{ input.base + result.benefits_plan + result.subsidio_refeicao | currency: '€' }]}
{[{ input.base + input.outros_IRS_SS + result.subsidio_refeicao| currency: '€' }]}
Salário bruto
{[{ input.base*14 + input.outros_IRS_SS*14 | ceil }]}€
{[{ input.base * 14 | ceil }]}€
Coverflex Benefits
0€
{[{ result.benefits_plan*12 | ceil }]}€
Gross Salary
Monthly
{[{ input.base + input.outros_IRS_SS | currency: '€' }]}
{[{ input.base | currency: '€' }]}
Subsídio de alimentação
{[{ result.subsidio_refeicao*11 | ceil }]}€
{[{ result.subsidio_refeicao_coverflex*11 | round }]}€
Compensação do colaborador
!
A compensação é o total do teu salário bruto, benefícios Coverflex e subsidio de alimentação. Com a Coverflex podes distribuir estes valores de forma a gastares menos, e ganhares mais com isso.
{[{ input.base*14 + input.outros_IRS_SS*14 + result.subsidio_refeicao*11 | ceil }]}€
{[{ input.base*14 + result.benefits_plan*12 + result.subsidio_refeicao_coverflex*11 | ceil }]}€
outros_IRS_SS
{[{ input.outros_IRS_SS | currency: '€' }]}
rendimento tributável
{[{ result.tributavel | currency: '€' }]}
{[{ result.tributavel_coverflex | currency: '€' }]}
Duodécimos
{[{ result.subsidios | currency: '€' }]}
{[{ result.subsidios_coverflex | currency: '€' }]}
taxa IRS (rendimentos)
{[{ result.taxa * 100 | number: '2' }]}%
{[{ result.taxa_coverflex * 100 | number: '2' }]}%
taxa IRS (duodécimos)
{[{ result.taxa_de_duodecimos * 100 | number: '2' }]}%
{[{ result.taxa_de_duodecimos_coverflex * 100 | number: '2' }]}%
tributavel IRS
{[{ result.tributavel | currency: '€' }]}
{[{ result.tributavel_coverflex | currency: '€' }]}
tributavel SS
{[{ result.incidencia | currency: '€' }]}
{[{ result.incidencia_coverflex | currency: '€' }]}
IRS
-{[{ result.retencao*12 | ceil }]}€
-{[{ result.retencao_coverflex*12 | ceil }]}€
Segurança Social
-{[{ result.seg_social*12 | ceil }]}€
-{[{ result.seg_social_coverflex*12 | ceil }]}€
Impostos do colaborador
!
Um salário bruto mais baixo, paga menos IRS e Segurança Social. Alguns benefícios são isentos de IRS e SS, enquanto outros são só isentos de SS. Nesta fórmula nós assumimos uma divisão igual entre estas duas opções.
{[{ result.total_taxas*12 | ceil }]}€
{[{ result.total_taxas_coverflex*12 | ceil }]}€
Compensação líquida do colaborador
!
O valor esperado que recebes após os impostos, de acordo com as tabelas de retenção de IRS de 2021.
{[{ result.valor_liquido*12 | ceil }]}€
{[{ result.valor_liquido_coverflex*12 | ceil }]}€
Custo da empresa
{[{ result.custo_total_empresa*12 | ceil }]}€
{[{ result.custo_total_empresa_coverflex*12 | ceil }]}€
A card, an app and thousands of places where you can use your benefit balance!
Meal
Benefits
Insurance
Discounts
Meal
You meal allowance is in your Coverflex card and is exempt from IRS and SS. Check your balance in the app and use the card in restaurants, supermarkets and food delivery services, among others, either online or offline, as long as it is within the Visa network.
Benefits
There are nine benefits available with either IRS exemption or SS exemption, or both. Explore our benefits in the website or the app, and use your Coverflex card to take advantage of them!
Insurances
Your company can migrate insurances to Coverflex or create new insurances for you, quickly and with no costs. You can manage your health insurance and your workers' compensation insurance and check information about each of them in your Coverflex app.
Discounts
You can enjoy dozens of discounts in multiple services with your Coverflex card. Check your app to see all the discounts we have for you. Happy savings!
How much can you save with Coverflex benefits?
Benefits with IRS and SS exemption
Increase your net remuneration by saving between 11% and 36% on the amount you usually pay
Coverflex Childcare
Public transportation
Meal
Purchase of Childcare voucher
500,00€
Social Security exemption
-55,00€
IRS exemption
-142,50€
Total saving with Coverflex
197,50€
Purchase of transport card
90,00€
SS exemption
-9,90€
IRS exemption
-25,65€
Total saving with Coverflex
35,55€
Friday's lunch
7,60€
SS exemption
-0,84€
IR exemption
-2,17€
Total saving with Coverflex
3,01€
Benefits with SS exemption only
Increase your net remuneration by saving 11% on the
amount you usually pay
Retirement & Investment
Education expenses
Health and Well-being
Gym & Fitness
Senior expenses
Investment in PPR
200,00€
Social Security exemption
-22,00€
Total saving with Coverflex
22,00€
Purchase of school books
150,00€
SS exemption
-16,50€
Total saving with Coverflex
16,50€
Pharmacy purchase
35,00€
SS exemption
-3,85€
Total saving with Coverflex
3,85€
Yoga classes
25,00€
SS exemption
-2,75€
Total saving with Coverflex
2,75€
Daycare centre
150,00€
SS exemption
-16,50€
Total saving with Coverflex
16,50€
Double-win
In addition to the tax optimisation our benefits offer, you can also save in dozens of places with our exclusive discounts. Did someone say “double-win”?
10% discount in pharmacies (online and offline)
Purchase at the pharmacy
35,00€
Tax exemption (SS)
3,85€
10% discount
3,50€
Total saving with Coverflex
7,35€
Save 20% when learning new languages
Purchase of a class
500,00€
Tax exemption (SS + IRS)
197,50€
20% discount
100,00€
Total saving with Coverflex
297,50€
Save 1€ on each meal
Purchase of meal
7,60€
Tax exemption (SS + IRS)
3,00€
10% discount
1,00€
Total saving with Coverflex
4,00€
In the back of your hand
Gather benefits, meal allowance, insurances and discounts in one place
Spend your meal allowance
Decide what to spend on, on the go
Enjoy Coverflex’s discount network
Add your family to your health insurance
Gather benefits, meal allowance, insurances and discounts in one place

Spend your meal allowance

Pay for meal, groceries and take-away anywhere VISA is accepted. Works online.

Decide what to spend on, on the go

No pre-selection needed. Spend your budget how, when and where you see fit using the app, card or reimbursement.

Enjoy Coverflex’s discount network

Save two-fold with Coverflex by using your card and taking advantage of exclusive discounts on top of the tax benefits.
see our discounts

Add your family to your health insurance

Use the app to check on your policy details and documents and add your partner and/or children to your insurance.

We are trusted by
over 250 companies and 5.000 employees

Nuno Simões
Diretor de Capital Humano
PwC Portugal, Cabo Verde e Angola
Tiago Boldt Sousa
Coverflex was introduced to us shortly after we had internally discussed the possibility of fiscally optimising the team's compensation. At the time, we were considering improving the meal allowance, but the additional possibilities that Coverflex presented allowed us to do more, better, and with less effort.
Catarina Cunha
I went to the pharmacy and paid with my Coverflex card without even thinking about it. I even got a 10% discount on my purchase by showing I was a Coverflex user.
Beatriz Mirão
In addition to discounts, Coverflex allows you to have, in a single platform, health insurance, meal allowance and non-tax benefits.

People between the ages of 20 and 40 are no longer just looking for a salary. We look for benefits, we look for discounts, we look for agility and for more beyond the paycheck.

Pedro Alves
During a busy day, I ordered my lunch in under five minutes and paid for it with my Coverflex card.

It worked just like any other VISA card - quick and easy.

Irene Vieira Rua
HR Director
Doutor Finanças
Nuno Simões
Diretor de Capital Humano
PwC Portugal, Cabo Verde e Angola
Irene Vieira Rua
HR Director
Doutor Finanças
Catarina Coutinho
I went to the pharmacy and paid with my Coverflex card without even thinking about it. I even got a 10% discount on my purchase by showing I was a Coverflex user.
Tiago Boldt Sousa
Coverflex was introduced to us shortly after we had internally discussed the possibility of fiscally optimising the team's compensation. At the time, we were considering improving the meal allowance, but the additional possibilities that Coverflex presented allowed us to do more, better, and with less effort.
We are changing the way employees are compensated. Join us.
“Compensation as we know it doesn't work. We all have different needs in different moments of our lives, and you can help us change this reality in Portugal.”