México
Colombia
BrasilHow much does your fleet save with Clara?
Choose your fleet’s country and adjust the figures. Currency, rates and taxes follow the fleet’s country; the language follows yours.
- Savings calculator · Clara Fleet Card
Estimate your fleet's savings
We start with example values. Adjust your figures and review the assumptions before deciding.
Calculator for fleets in Mexico
Estimate what it is worth to pay for your fleet’s fuel with Clara credit instead of your current pay-in-advance scheme.
Your figures
We start with example values. Adjust your figures and review the assumptions before deciding.
Fuel spend and Fleet Card cost
Adjust assumptions and benefits
Fee and rebate
Cashback is expressed in basis points (bps): 10 bps equal 0.10% of monthly spend.
Credit instead of paying in advance
If you fund the card before you spend, you tie up capital. With Clara credit you pay afterwards.
Client’s funding rate: 10.8% a year (TIIE + spread).
Savings in administrative work
Statement reconciliation, no vouchers and no reimbursements to drivers.
Equivalent to the work of 0.2 full-time employees, at 160 hours per employee per month.
Other benefits
Control over consumption and additional savings.
Share of spend that is diverted or cannot be justified.
Your assumption. Each vehicle or driver has a card with its own daily or monthly spending limit, and Clara Fleet flags the fill-ups that do not add up afterwards, for review. Those alerts do not block payment.
Share of spend, if the client consolidates purchases at partner stations.
Cash transport, security, fees and differences that go away.
Tax benefit
Only this share counts as new savings.
Legal entity under the general regime: 30% (Art. 9, Mexican Income Tax Law).
Net monthly savings with Clara
MX$38,206
MX$458,475 a year, not counting the tax benefit.
That is MX$955 per vehicle a month.What you save with Clara
- Financing savingscredit vs. paying in advance+ MX$15,706
- Administrative savings0.2 FTE+ MX$6,000
- Cashback on spend10 bps+ MX$1,500
- Leakage controlcard limit and alerts+ MX$15,000
Tax benefit, shown apart
Not a Clara saving: it depends on your tax regime and on invoicing fuel with a valid CFDI 4.0 and its fuel complement.
- IVA (VAT) you recovercreditable IVA+ MX$20,690
- Less ISR (income tax) you payISR deduction+ MX$38,793
Sensitivity: annual savings with Clara
Changes the monthly spend (rows) and the funding rate (columns), with the rest of your figures. Without the tax benefit.
| Monthly spend | Rate 8.8% | Rate 10.8% | Rate 12.8% |
|---|---|---|---|
| MX$750,000 | MX$247,738 | MX$265,238 | MX$282,738 |
| MX$1,500,000 | MX$423,475 | MX$458,475 | MX$493,475 |
| MX$3,000,000 | MX$774,950 | MX$844,950 | MX$914,950 |
Notes and assumptions
- Rebate: monthly spend × agreed bps ÷ 10,000.
- Financing: capital freed up = daily spend × (days you fund in advance today + Clara credit days). Savings = capital freed up × (TIIE + spread) ÷ 12.
- 28-day TIIE: Banxico reference, October 2026 (≈ 6.77%); edit it if you have a more recent rate.
- Administrative: hours saved per month ÷ 160 (one FTE’s hours per month) × monthly cost of the FTE.
- Leakage: spend × current leakage % × % you expect to avoid with each card’s spending limit and the review of alerts. Alerts arrive after the fill-up and do not block payment.
- Other: station discount = spend × %. Cash handling and other savings are monthly amounts you enter yourself.
- Tax: creditable IVA = non-invoiced spend × IVA ÷ (100 + IVA). ISR savings = spend before IVA × effective rate. Requires a CFDI 4.0 with a valid fuel complement. Shown apart from Clara’s savings.
- Scenarios: they scale administrative savings, the share of leakage avoided (up to all of it), cash handling and other savings (×0.5, ×1, ×1.25). The rebate, the financing savings, the station discount and the tax benefit do not change: no scenario recovers more IVA or ISR than the spend contains.
- Check the results with your accountant or tax adviser before making decisions.
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Put the savings to work
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