Flexible benefits, without the trade-offs
Benefits employees actually use, without raising the employer cost or piling work on HR and payroll. Here is what makes CLVR different.
Eight reasons to choose CLVR
Benefits without raising the employer cost
The 31.42% employer social fee is built into the benefit allowance instead of added on top. The company's cost stays flat while employees get the full value of their choices.
- The employer social fee (31.42%) is handled automatically per benefit
- Salary exchange to pension at 24.26% instead of 31.42%
- Benefit value (BIK) and deductions calculated for you
AI that handles receipts and expenses
The AI reads the vendor, date, amount, and VAT from any receipt and evaluates the expense against category rules and your own policy document. Approved in seconds, not days.
- Automatic receipt scanning, no manual entry
- Intelligent auto-approval of wellness and more categories
- HR stays in control: confidence scores and one-click undo
Swedish tax rules, architecture built to scale
The wellness allowance up to 5,000 kr per year, the December block rule, and tax-free categories are built in and applied automatically. Sweden is our deepest pack today, and the platform's country architecture lets us stand up a new market quickly.
- Wellness allowance, tax-free limits, and the December rule, automatically
- Everything tracked, categorised, and audit-ready
- Built to scale: new countries with their own tax rules deploy quickly
A mock payslip that shows the impact of every choice
Employees can simulate their payslip with the SKV 433 tax tables before they commit. They see exactly how a benefit or a salary exchange changes net pay, so every choice is a conscious one.
- Simulated payslip based on the SKV 433 tax tables
- See the effect of each benefit and salary exchange on net pay
- Make conscious choices with the numbers in front of you
One allowance. Infinite choices.
Offer a flexible benefit allowance each employee shapes themselves, from wellness and time off to pension, transport, and education. You set the rules, they choose the benefits.
- One budget, many categories, individual choices
- Total compensation: salary, pension, benefits, and contributions in one view
- Rules per employee, team, or office
The benefits you already offer, brought onto the platform
Already have benefits and suppliers your team relies on? We bring them onto the platform so everything lives in one place. We talk with new benefit suppliers all the time and are happy to build your specific benefits in.
- Your existing benefits and suppliers, added to the platform
- One place for everything employees can choose
- We keep adding suppliers and build in how your benefits work
Payroll exports that reconcile
Every month, payroll reports are generated automatically with benefit value, BIK, and VAT rows, ready to export in the format your payroll system needs. Sync employee data with Twine, without being locked in.
- Automatic monthly payroll reports
- Export in the format your payroll system needs, with the right pay codes
- HR sync via Twine. No vendor lock-in, no proprietary formats
Built around your organization
Your ways of working are not generic, so the platform should not be either. We adapt CLVR to how your organization actually works, with the flows and views your teams need.
- We adapt the platform to your organization's needs
- Custom flows and views for your teams and processes
- Structured by team, office, or department
Frequently asked questions
The questions HR, finance, and payroll teams ask us most. Still curious? Book a 30-minute walkthrough.
The 31.42% employer social fee is built into each employee's benefit allowance rather than added on top. The company sets a fixed budget; we calculate the social fee, benefit value (BIK), and deductions per benefit so the total employer cost stays flat while employees still get the full value of what they choose. When you set your benefit allowance budget, remember to account for the social fee so it's covered within the overall budget you bring into the platform.
BIK (förmånsbeskattning) is the taxable value of a benefit an employee receives. CLVR calculates BIK, employer social fees, and VAT splits automatically for every benefit and category, then carries those figures straight through to your payroll export, so nothing has to be worked out by hand.
The Swedish wellness allowance (friskvårdsbidrag) is tax free and automatically capped at 5,000 kr to comply with tax rules. All wellness receipts must be approved before the final cut-off date for the December payroll report, so they are paid out before the new calendar year begins.
Salary exchange (löneväxling) lets an employee move part of their gross salary into pension. Because pension is charged the lower 24.26% special payroll tax instead of the 31.42% social fee, both sides save. CLVR supports salary exchange to pension and shows the effect on net pay in a simulated payslip. If you want, the difference between the two rates can be topped up into the employee's pension as well.
Yes. Monthly payroll reports are generated automatically with benefit value, BIK, and VAT rows, ready to export in the format your payroll system needs, with the correct pay codes. Employee data syncs via Twine, with no proprietary formats and no vendor lock-in.
Almost certainly. CLVR is built to handle every kind of organization, in and outside Sweden, regardless of size, structure, or how many countries you operate in. Whether you are a single team or a multinational group with several legal entities, we work with you to set CLVR up around the way you actually run benefits, payroll, and HR.
There is no minimum and no ceiling. You can be a ten-person team or a multinational employing thousands; CLVR is optimized for organizations of any size and structure. A new starter at a small SME gets exactly the same experience as someone at a large enterprise, and the platform is built to handle hundreds of thousands of records without slowing down. Size and complexity are never the blocker.
Yes. Your suppliers, benefits, and ways of working aren't generic, so the platform isn't either. We adapt CLVR to your organization, building in the specific flows, views, and benefit suppliers your teams rely on.
Absolutely. We are always expanding the range of suppliers our customers can choose from, and we welcome any benefit provider whose offering fits the relevant tax and compliance rules (in Sweden, that means it can be handled correctly as a taxable or tax-free benefit). To become available in CLVR, reach out to providers@clvrbenefits.com and we will take it from there.
Sweden is our deepest market today. The platform's country architecture is built so a new market, with its own tax rules and categories, can be stood up quickly. The Nordics are next.