Employee Cost Calculator

Find the true annual cost of an employee: salary plus employer taxes, health insurance, retirement match, workers comp and benefits.

Last update

October 15, 2026

Salary is the starting point, not the total. Employer payroll taxes, health insurance, retirement contributions, workers compensation and perks typically add 20% to 35% on top. Enter the salary and your benefit costs to see the fully loaded annual cost, the hourly cost and the multiplier on base pay. Pair it with the employer payroll tax calculator for the tax detail.

Employee cost calculator

Annual salary or wagesEmployer health insurance per monthRetirement match %Workers comp rate per $100 of payrollOther benefits and perks per yearStateSUTA rate % (prefilled by state)SUTA wage base (prefilled by state)

True annual cost of this employee

$0

Know the real number before you hire

CoAd Pay runs payroll, taxes and benefits deductions so the cost you plan is the cost you pay. $55/mo + $5 per employee.

See pricing

Taxes use 2026 federal rates and 2026 state unemployment defaults for the state selected. Hourly cost assumes 2,080 hours a year. Benefits defaults are placeholders; enter your plan costs. Estimates only.