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True Employee Cost Calculator (US)
The salary is only part of the story. Benefits, payroll taxes and perks push the true cost of an employee well past the base number.
Based on typical US employer costs. State rates vary.
What employers actually pay
On top of salary, a US employer typically covers the employer half of FICA (7.65%), plus FUTA and SUTA (together often around 1%), a 401(k) match, health insurance premiums and equipment. Research shows the true loaded cost lands roughly 25–35% above base salary.
How it's calculated
- Payroll taxes = Salary × 8.65%
- 401(k) match = Salary × Match %
- Total = Salary + Insurance + 401(k) + Payroll taxes + Perks
- Hourly = Total ÷ 2,080 hours
- Multiplier = Total ÷ Base salary