Understanding your allowance

What your remaining balance means and how CLVR works it out, how to read the allowance bar and its category breakdown, the overdrawn marker, which spending counts, when the period resets, and what happens once you use it all.

When you open your dashboard, the greeting at the top says Hi {name}! You have {amount} left. That amount is your remaining benefit allowance for the current period, the money you still have to spend on benefits and reimbursable expenses before the period resets. This article explains where that figure comes from, how to read the allowance bar beneath it, what counts against your allowance, when the period resets, and what happens once you have used it all.

What the amount means

The figure in your greeting is your remaining balance: your total allowance for the period minus everything you have spent that draws from it. Underneath the greeting, CLVR also shows The deadline to consume your allowance is on {date}, so you know how long you have to use it.

In short:

• Total balance is the pot you start the period with.
• Remaining balance is what is left after your spending so far.

How the remaining balance is calculated

CLVR works out one number for you:

• Total balance = your base benefit allowance plus any adjustments your company has made (for example, a top-up your HR team applied).
• Remaining balance = total balance minus everything you have spent this period that draws from the allowance.

Spending that counts toward this includes approved and pending expense reports, manual entries, and benefit purchases paid from your allowance. Only spending dated within the current benefit period is counted.

What does not reduce your balance

Some things never come out of your remaining balance:

• Declined expenses. If an expense report is declined, it does not draw from your allowance.
• Purchases paid through salary. When a benefit is paid from your salary rather than your allowance, it does not lower the figure in your greeting.

Reading the allowance bar by category

The coloured bar at the top of your dashboard is a quick picture of your benefit allowance for the current period. Each benefit category you have spent in fills the bar with its own colour and icon, and the legend underneath lists the same categories with the amount each one used. Together they let you see, without opening anything, how your allowance has been spent and how much is still available.

The bar is split into segments, one for every category you have spent in this period:

• Each category segment uses that category's own colour and icon, and its width reflects how much of your allowance the category has used.
• The unspent part of your allowance sits at the end of the bar with a lightning bolt icon, labelled Remaining allowance.
• Hover over (or move keyboard focus to) any segment and a tooltip shows the category name, so you can tell two similar colours apart.

Below the bar, the legend repeats each category as a coloured icon next to its name and the amount spent:

• The amount beside each category is what that category drew from your allowance this period, shown in Swedish kronor.
• The Remaining allowance entry, marked with the lightning bolt, shows how much is still available, followed by the word left.
• Categories you have not spent in this period do not appear, so the legend only lists where money has actually gone.

Which spending counts toward the bar

Not every receipt you submit lands on the bar: only spending that actually draws from your allowance in the current period counts.

These reduce your remaining allowance, so they show up as coloured segments and in the legend below the bar:

• Approved expense reports you uploaded, once they clear review.
• Benefit purchases you chose to pay with your Benefit Allowance rather than salary.
• Any items your HR team adds to your account on your behalf.

Each amount is grouped by benefit category, so all your wellness (friskvård) spending sits in one segment, and so on.

Some spending never touches the bar:

• Declined expense reports. A report that was turned down does not reduce your allowance, so it leaves no segment behind.
• Anything you paid with Salary Deduction instead of your allowance. When you pick "Deduct from your next paycheck" on a purchase, it comes off your pay, not your allowance, so the bar ignores it.
• Categories where you have spent nothing. A category with zero spend has no segment and does not appear in the legend.

The figure shown for each category is the allowance cost, which is what the spend actually took out of your allowance, not always the same as the receipt total. For taxed benefit categories (BIK), your employer pays a social fee on the portion covered by your allowance, and that fee is part of the allowance cost. So a taxed category can show a little more than the receipt amount, because the segment includes that employer social fee on the allowance-paid part. Tax-free categories like most wellness (friskvård) spend within the threshold do not carry this, so their amount matches the receipt.

The overdrawn marker

When your approved spending goes past your allowance, a thin red vertical line appears on the bar. This is the overdrawn marker, and it shows exactly where your spending crossed the limit.

The marker sits at the point on the bar where your spending reached your full allowance. Everything to the left of it fits inside your allowance; everything to the right is the part you have spent beyond it.

• Hover over the line (or read its label) to see Allowance limit exceeded.
• It only appears when you are actually overdrawn, so on most dashboards you will never see it.
• When your spending is exactly at the limit or your allowance is zero, the marker does not show, because there is no "before and after" point to mark.

While you have allowance left, the whole bar represents your total allowance, and the Remaining allowance segment shows what is still available. Once you are overdrawn there is nothing remaining, so the bar instead stretches to fit your total spending. Your category segments are resized against that larger total, which keeps every segment visible and in proportion. The red marker then sits wherever your original allowance falls inside that total.

In short:

• Within your allowance: the bar shows allowance, with a remaining segment, and no marker.
• Overdrawn: the bar shows total spending, the remaining segment is gone, and the red marker shows where the allowance ran out.

Why amounts show in Swedish kronor

Every amount you see in CLVR Benefits, your remaining balance in the greeting, the price of each benefit, and the cost breakdown when you submit an expense, is shown in your company's currency. For companies in Sweden that currency is Swedish kronor (kr), and CLVR formats the figures the Swedish way, so a thousand kronor reads as 1 000 kr. This is a company setting, not a personal one, so everyone at your workplace sees the same currency.

Your company belongs to a country, and that country sets the default currency. The currency is stored once for the whole company, so you see the same currency as your colleagues and you cannot switch it yourself: there is no per-person setting for it.

The country your company is set to does more than choose the currency. It also decides which tax and benefit rules apply to your account:

• Wellness (friskvård) tax-free threshold. In Sweden, wellness benefits are tax-free up to 5 000 kr per year, and CLVR uses that figure when it works out how much of an expense your allowance covers.
• Benefit tax treatment. How a benefit affects your pay (whether part of it is taxable and counts as a benefit value) follows the Swedish rules.
• Country-specific features. Some tools, like generating a mock payslip from your dashboard, are offered because of the country your company is set to.

You do not need to manage any of this. CLVR applies the right rules for your company automatically, and the amounts you see already reflect them. Because formatting keeps two decimals, you may sometimes see small öre values (for example, 0,50 kr) rather than a perfectly round number. That is normal and just reflects the exact figures behind your allowance.

When the allowance resets

Your Benefit Allowance runs in a one-year cycle. Each cycle ends on your company's reset date, and when it ends your spending starts fresh with a new full allowance for the year ahead. The deadline shown under your greeting is the last day of your current benefit period.

• The period always lasts one year and ends on your company's reset date.
• Spending counts only within the current period, so the Used and Remaining figures reset to a fresh full allowance when the period rolls over.
• If your company's reset date has already passed, CLVR rolls it forward to the next future occurrence, so your dashboard always points at an upcoming date rather than one in the past.

When the period rolls over, your spending for the year resets to zero, a new full allowance applies, and the deadline in your greeting moves to the next year's reset date. If you submitted an expense report in the previous period but it had not been approved before the reset, CLVR carries it into the current period so it still counts against your allowance. You do not need to resubmit it. For more on this, see how pending expense reports carry into the current period.

When you have used it all

Once your remaining balance reaches exactly zero, the greeting changes to a friendly Good job, {name}! 🎉 and explains: You've made full use of your benefit allowance! Your allowance resets on {date}. Any additional expenses will be deducted from your next paycheck. This is a normal, positive state: it simply means you have made full use of the benefit your employer funded for you.

There are three things to take from it:

• You have used your full allowance. Nothing has gone wrong. You spent everything your employer set aside for this benefit period.
• It resets on a set date. The date shown is the start of your next benefit period, when your allowance starts fresh.
• Further spending is handled through payroll. Anything you choose to buy beyond your allowance is settled on your salary rather than from the allowance, so there is no surprise bill to pay separately.

You can still place orders or claim expenses after your allowance is used up. Because there is no allowance left to cover them, those amounts are settled through payroll. How a specific expense is handled depends on what kind of expense it is, so if you want the exact figures before you commit, your HR contact can confirm how a particular purchase or claim will be settled.

When your balance goes below zero

If your balance drops below zero, you see a different greeting: under Hi {name}! it reads HR will be in touch to help you settle your benefit allowance. A negative balance is not an error and not a penalty. It simply records that the value charged to your allowance is currently more than the allowance held. This is the same situation the red overdrawn marker shows.

You do not need to take any action. Your company's HR team can see the balance and will reach out to settle the difference with you. There is no button to press and no payment to make from the dashboard.

How the difference is settled depends on how the spending happened:

• Overspend on an uploaded receipt is generally your own out-of-pocket cost. When a receipt is larger than the allowance can cover, the part above your balance is simply not reimbursed. It is not taken from your salary.
• Overspend from a Benefit Store purchase is recovered through payroll. When CLVR or the provider has already paid for an order, the part your allowance does not cover is deducted from your salary.

If you are also scheduled to leave, the negative-balance greeting shows a red notice, You have access to CLVR Benefits until {date}., with the HR will be in touch line underneath it. This pairing is expected when both apply at once.

Troubleshooting

The amount looks higher or lower than I expected. If it does not match a quick "allowance minus my receipts" sum in your head, it is almost always one of these, not a mistake:

• Your total balance can already be adjusted. Your remaining balance starts from your base allowance plus any adjustments your company has made: a top-up that raises your total, or a deduction that lowers it. Each adjustment only affects your allowance for the current period.
• Taxed (BIK) categories cost more than the receipt. Your employer pays a social fee of 31.42% on the allowance-covered portion, and it comes out of your allowance too. A 1 000 kr receipt in a taxed category therefore draws roughly 1 314 kr from your allowance, not 1 000 kr. Tax-free categories within their threshold carry no such fee.
• A pending receipt from last period may already be counting. A report still Pending when a new period begins, dated before the current period started, is carried forward and counted against your current balance while it waits for review.
• Some spending never appears in the math. Declined reports and anything paid with Salary Deduction never reduce your remaining balance, so leaving them out of your sum is correct.
• Your allowance may be pro-rated. If you are scheduled to leave part way through the period and your company has turned on pro-rating, your total is scaled to the days you are employed, and your greeting adds Your allowance has been pro-rated. See how your allowance is pro-rated when you leave mid year.

My balance shows odd decimals. That is the öre on an exact amount, not an error. CLVR formats every amount in Swedish kronor, including öre where they apply.

I want amounts in a different currency. Currency is set for the whole company and cannot be changed per person. If this matters for your organisation, raise it with your HR team.

A category is missing from the bar. You have no counted spending in it this period, so it does not get a segment. The legend only lists categories with spending.

A segment has no icon. It is too small a slice to fit one. Read the category name and amount from the legend instead.

My expense is approved but not on the bar. Check its date. If it settled in a previous period, it belongs to that period, not this one.

I see the red marker but expected to have allowance left. Open the category breakdown under the bar to see what has been counted. Pending reports count toward your spending until they are reviewed. The marker disappears if a counted report is later declined and brings you back within your allowance.

My greeting shows a reset date I did not expect. The reset date is set for your whole company, not per person. If it looks wrong, ask your HR team.

I reached zero but did not expect to. Open My Benefits to review the expenses counted against this period, or check the allowance bar to see where your spending went.

The "HR will be in touch" message appeared but I expected money left. Open My Benefits and check for a recent large expense, or a pending report that is still counting. There is nothing to do from your side; your HR team handles the rest. If you think the balance is wrong, contact them: they see the same figures you do.

I think my total allowance is wrong. Your base allowance and any adjustments are set by your employer, so ask your HR team to confirm them.