Free Tool
Cost-of-Labor Calculator
Calculate the true loaded cost of an employee — wages, payroll taxes, workers' comp, retirement match, benefits, and overhead. Use it to price work, build budgets, or compare a PEO bundle against your status quo.
Your inputs
Your estimate
Wages (base + bonus)
$63,000
FICA (employer 7.65%)
$4,820
FUTA
$42
SUTA
$378
Workers' comp
$504
Retirement match
$1,890
Benefits (employer share)
$7,800
Other overhead
$5,040
Total fully loaded cost
$83,474
That's a 39.1% load over the base wage of $60,000.
Why is FUTA capped at $7,000?
FUTA only applies to the first $7,000 of each employee's wages each year. The calculator caps it accordingly. SUTA caps vary by state — adjust the rate to your state's effective figure.
How does a PEO change these numbers?
A PEO replaces several of these lines with bundled pricing under co-employment — typically benefits, WC, and SUI handling. Use the PEO Cost Estimator below to compare.
Compare this loaded cost against a bundled PEO quote with the PEO Cost Estimator, or read How Much Does a PEO Cost.
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