AITOFIT & Epassi – how to pay for your training with an exercise benefit (Edenred and Smartum too)

A common question about AITOFIT is whether you can pay for the app with your employer's exercise benefit. The answer is yes: AITOFIT is easy to pay for with Epassi, Edenred, and Smartum. In this article we'll go through how the payment works in practice, how much training time you get with an exercise benefit, and what else is worth knowing about the Finnish exercise benefit.

In brief

• AITOFIT can be paid for with exercise benefits: Epassi, Edenred, and Smartum.

• You'll find AITOFIT in your benefit provider's app or website by searching for "AITOFIT."

• You can pay whatever amount you want, and the corresponding training time is added to your AITOFIT account automatically after the payment.

• AITOFIT currently costs €14.90/month, so a full year of training (€178.80) or even two years (€357.60) fit comfortably within the tax-free exercise-benefit cap of €400 per year.

Can you pay for AITOFIT with Epassi?

Yes. You can find AITOFIT in the Epassi merchant search by looking up "AITOFIT." Pay whatever amount you like in Epassi, and the corresponding amount of training time is added to your AITOFIT account automatically.

The payment works just like paying for a gym membership or a swimming-pool visit with Epassi: log in to the Epassi app or the epassi.fi website, search for the merchant, enter the amount, and confirm the payment. You don't need to send receipts, reference numbers, or separate messages — we receive notification of your payment directly.

Can you also pay for AITOFIT with Edenred and Smartum?

Yes. AITOFIT can be paid for with all three of Finland's most common exercise-benefit providers: Epassi, Edenred, and Smartum. The payment works on the same principle in all of them.

Benefit provider	Where you pay	How to find AITOFIT
Epassi	Epassi app or epassi.fi	Merchant search → "AITOFIT"
Edenred	MyEdenred app (mobile payment)	Merchant search → "AITOFIT"
Smartum	SmartumPay app	Merchant search → "AITOFIT"

If your employer uses a different benefit system, you can check the situation through our customer service in the app's chat.

How to pay for AITOFIT with an exercise benefit

1. Create an AITOFIT account and start the free trial. If you're not using the app yet, download AITOFIT and try it free for 9 days first, with no credit card needed. Once the account exists, the payment can be directed straight to you.

2. Open your benefit provider's app. Epassi, MyEdenred, or SmartumPay — whichever your employer uses.

3. Search for "AITOFIT" in the merchant directory.

4. Enter the amount you want and confirm the payment. You can pay as much as you want: for example, six months or a year of training at once, or your entire remaining balance.

5. Training time is added to your account automatically. We receive notification of the payment and add the corresponding amount of training time to your account.

How much training time does an exercise benefit give you?

Short answer: AITOFIT costs €14.90 a month, and you get training time equal to the amount you pay. For example, €89.40 gets you six months and €178.80 a full year of training.

Amount paid	Training time
€14.90	1 month
€44.70	3 months
€89.40	6 months
€178.80	12 months

The amount doesn't have to land exactly on a monthly price — training time accrues according to whatever you pay.

For comparison: the tax-free exercise-benefit cap in Finland is €400 per year. A full year of AITOFIT training takes less than half of that, so there's plenty of benefit left over for a gym membership or swimming-pool visits, for example.

What is an exercise benefit and how much can you use?

Short answer: An exercise benefit (officially a "sports and culture benefit," or liikunta- ja kulttuurietu in Finnish) is a tax-free employee perk offered by your employer for independent exercise and cultural activities. The tax-free cap is €400 per year, and your employer decides how much it offers.

A few things worth knowing about the exercise benefit:

• The cap is per person, per calendar year. The €400 tax-free maximum covers exercise and culture services combined. The amount your employer offers may be lower — check yours in your benefit app or with HR.

• The benefit is personal. You can only use an exercise benefit to pay for your own exercise, not for a spouse's or children's activities. The benefit can't be converted to cash either.

• The balance doesn't last forever. How long the balance stays valid varies by provider and employer, and many people leave part of their benefit unused every year. Check your own balance and its expiry date in your app.

• An increase to the cap has been proposed. In a draft government proposal published in spring 2026, the tax-free maximum was proposed to be raised to €540 per year. This change, however, is not yet in effect.

Why pay for a training app with an exercise benefit?

AITOFIT is an app developed by sport scientists at the University of Jyväskylä that creates an individualized gym program for you and updates it after every workout: your weights, reps, and set counts are calculated for you. You can also read separately about how AI builds your gym program.

Since a full year of training costs €178.80, the exercise benefit easily covers the app. In practice you get the programming — the part of training that most people are missing — without it denting your own wallet, and you never have to wonder how to train or what to do at the gym.

If you're just getting started, also check out our beginner workout program and how many times a week to go to the gym. For a more experienced trainee, a 3-day training split can be a good starting point.

Frequently asked questions

Can you pay for AITOFIT with Epassi?

Yes. Search for "AITOFIT" in the Epassi merchant directory, enter the amount you want, and confirm the payment. Training time is added to your account automatically.

Can you pay for AITOFIT with Edenred?

Yes. Make a mobile payment in the MyEdenred app: search for "AITOFIT" in the merchant directory and pay whatever amount you want.

Can you pay for AITOFIT with Smartum?

Yes. Log in to the SmartumPay app, search for "AITOFIT" in the merchant directory, and pay the amount you want.

How quickly does the training time show up on my account?

Training time is set on your account automatically once we receive notification of your payment. If the training time doesn't appear for any reason, get in touch with our customer service through the in-app chat.

Do I need an AITOFIT account before paying?

Yes — the payment is directed to your AITOFIT account. Create an account or start a free trial before paying.

Can I try AITOFIT for free before paying with an exercise benefit?

Yes. You can try AITOFIT free for 9 days with no credit card. If the app feels right, you can continue by paying for training time with your exercise benefit.

How much exercise benefit can you use per year?

The tax-free maximum is €400 per year per employee. Your employer decides how much it offers — the amount can be lower.

Does the exercise-benefit balance expire?

Usually yes. How long the balance stays valid varies by provider and employer, so check the situation in your own benefit app. Training time is an easy use for balance that's about to expire at year-end.

Final thoughts

Paying for AITOFIT with an exercise benefit is straightforward: search for "AITOFIT" in Epassi, Edenred, or Smartum, pay whatever amount you want, and training time appears on your account automatically. If you're not using the app yet, you can try AITOFIT free for 9 days and only then decide where to put your exercise benefit.

Author: Julius Granlund, Master of Sport Sciences, psychologist.

Sources: Finnish Tax Administration guidance "Employee benefits in taxation" (self-directed exercise and culture, tax-free maximum €400/year). Ministry of Finance draft government proposal, May 8, 2026 (proposal to raise the maximum to €540).