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Payroll Burden Calculator

Last updated: October 15, 2026

Estimate an employer’s total payroll cost and burden rate from wages, payroll taxes, insurance, benefits, retirement and administration.

Estimated total monthly payroll cost

—

  • Employer taxes and insurance: —
  • Retirement contributions: —
  • Non-wage benefits and administration: —
  • Estimated payroll burden rate: —
On this page

Quick summary: Estimate an employer’s total payroll cost and burden rate from wages, payroll taxes, insurance, benefits, retirement and administration.

Updated October 14, 2026 • Estimated reading time: 4 minutes
Read the method, example and limitations

Guide language: English. Updated October 15, 2026.

What this calculator estimates

Payroll Burden Calculator

Inputs and units

Use the units shown for Gross monthly wages ($), Employer payroll taxes (%), Workers compensation and unemployment (%), Health and other benefits per month ($), Retirement contributions (% of wages), Monthly bonus and incentive accrual ($), Payroll, HR and administration ($). Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing a scenario.

Method and assumptions

The payroll-tax percentage applies to base wages plus the bonus accrual. The separately entered workers-compensation/unemployment percentage and retirement percentage apply to base wages only. Add benefits, bonuses and administration to base wages and these calculated costs.

Worked example

Base wages 1,000, bonus 200 and an assumed 10% payroll tax, with every other cost zero, total 1,320; tax cost is 120.

Limitations

Base wages should exclude the separately entered bonus accrual. Rates are planning assumptions, not a statutory tax computation. If your workers-compensation or retirement base includes bonuses, adjust the input costs or model separately.

Sources and background

IRS Publication 15 (2026): employment taxes