Free Employee Cost Calculator With Salary, Payroll Taxes, Benefits, Insurance, Equipment, Overhead, Fully Loaded Annual Cost, Hourly Cost, and Burden Rate
Calculate fully loaded employee cost from salary, payroll taxes, benefits, insurance, equipment and overhead. Compare annual, monthly, hourly and burden rate.
Calculate, compare, visualize, and export
Local scenario history
Eight microlearning boxes
Operating cash flow is not the same as net income
Non-cash expenses and working-capital movements can make operating cash flow materially different from accounting profit.
Billable utilization changes professional-service rates
A consultant or freelancer must recover annual income and business costs across billable hours, not every hour worked.
Contribution margin is a decision metric
Price minus variable cost shows how much each sale contributes to fixed costs and profit.
Scheduling is a coverage problem
A useful shift schedule should balance required staffing with individual hours and make coverage gaps visible.
Churn has both customer and revenue versions
Logo churn counts customers; revenue churn measures recurring revenue lost and can diverge when customer sizes differ.
Employee cost exceeds salary
Payroll burden, benefits, insurance, equipment and overhead can materially increase fully loaded employee cost.
Future profit is scenario-driven
Revenue growth and cost growth are assumptions, not guarantees; year-by-year projections make the sensitivity visible.
ACV normalizes contract economics
Annual Contract Value should separate recurring annualized value from one-time fees when comparing contracts.
Knowledge challenge
Online checklist
Related ready pages
Frequently asked questions
Is this tool free?
Yes. No email, phone number, signup or payment is required.
Does the calculation run locally?
Yes. The interactive logic is designed to run in your browser.
Can I load a worked example?
Yes. Every page includes a Load worked example control.
Can I export the result?
Yes. You can download the primary output and export a CSV report.
Are these outputs accounting, tax, legal or staffing advice?
No. Verify contracts, local labor rules, accounting policy, payroll burdens and business assumptions where relevant.
Method, scope, and limitations
These browser calculations and schedule outputs are planning and learning aids. Verify accounting definitions, contract terms, payroll burdens, staffing rules and local legal requirements for your situation.