Not tax, legal, or accounting advice — the published math, with its source.
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✓ 48 verified data packs · every figure cited to its official source

The $70,000 hire that actually costs $87,000.

Employer taxes, break-even, pricing, and what an LLC really costs by year five — computed with the rates the IRS, your state workforce agency, and your Secretary of State publish, cited to the document each one comes from, and worked out privately in your browser.

🧾 What an employee costs📈 Break-even & pricing📜 How we verify every number →

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Employee cost

What a hire actually costs once employer taxes, benefits and overhead are counted. Social Security to this year’s wage base, Medicare, federal unemployment after the state credit, and your state’s own unemployment tax at its own wage base — every rate cited to the agency that published it, with the math shown.

Break-even

Work out how many units you need to sell before the business covers its costs. Charts the crossing point, counts your own pay as a cost, includes the card fees and refunds most calculators leave out, and separates cash break-even from the accounting one. A planning estimate from your own figures.

LLC cost

What an LLC costs to form and keep, state by state, from fee schedules we verified at each Secretary of State: the filing fee, the annual report and when it is due, franchise taxes that dwarf cheap filing fees, and what forming out of state actually adds. Year-one and multi-year totals, computed rather than tabled.

Three calculator clusters, one AI suite

Break-Even & Pricing

The math every small business runs before setting a price: break-even points with a real cost-volume-profit chart, margin versus markup without the mix-up, and freelance, consulting, and day rates that account for the hours you cannot bill. Evergreen arithmetic with the method shown — no signup, no gate.

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Employer Costs & Payroll Taxes

What an employee actually costs: Social Security to the wage base, Medicare, FUTA after the state credit, your state’s unemployment tax at its real wage base, benefits benchmarked to federal data — every rate cited to the agency that published it, with the math shown step by step.

Open Employer Costs calculators →

LLC & Startup Costs

Every state’s real LLC price tag: the filing fee, the annual report with its due date, franchise taxes that dwarf cheap filing fees, and what forming out of state actually adds. Year-one and year-five totals from fee schedules we verified at the Secretary of State — and the items that cost $0.

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BizForce AI Suite

AI staff for the hours you cannot cover: a receptionist that answers after hours, a call center that routes and logs, schedulers and reminders that cut no-shows, event hosting, and scheduled email — in early access. Honest previews, published pricing shapes, and a waitlist that tells you where you stand.

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Free AI Workforce Kit

An AI-tools stack checklist, an automation ROI worksheet for measuring hours back, and the prompts behind each one — free by email.

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Every calculator

Break-even

Work out how many units you need to sell before the business covers its costs. Charts the crossing point, counts your own pay as a cost, includes the card fees and refunds most calculators leave out, and separates cash break-even from the accounting one. A planning estimate from your own figures.

Margin vs markup

Margin is a share of the price; markup is a share of the cost, and pricing as if they were the same number quietly gives away a sixth of your profit. Convert between the two, price for a target margin the right way, and see the common mistake printed beside the published method.

Freelance rate

Work back from the income you want to the rate that funds it — counting overhead, a tax set-aside, and the share of hours you can genuinely bill rather than a 2,080-hour year. Shows the naive answer beside the honest one, plus day-rate and salary conversions in both directions.

Employee cost

What a hire actually costs once employer taxes, benefits and overhead are counted. Social Security to this year’s wage base, Medicare, federal unemployment after the state credit, and your state’s own unemployment tax at its own wage base — every rate cited to the agency that published it, with the math shown.

Labor burden

Your burden rate as a percentage of the wage, the burdened cost of an hour actually worked once paid time off is taken out, and the rate you must bill to hold your target gross margin. Employer taxes come from verified federal and state rates, with the math shown line by line.

LLC cost

What an LLC costs to form and keep, state by state, from fee schedules we verified at each Secretary of State: the filing fee, the annual report and when it is due, franchise taxes that dwarf cheap filing fees, and what forming out of state actually adds. Year-one and multi-year totals, computed rather than tabled.

Startup cost

A line-item budget that keeps the two questions separate: what it costs to open, and what it costs every month to stay open. The headline output is the cash needed to launch and survive a chosen runway with no revenue at all — the deliberately pessimistic figure lenders actually ask about.

Missed calls

What the calls you miss are actually worth, computed with the formula on screen and every default cited to published research rather than vendor folklore. Compares doing nothing, a part-time hire at their loaded cost, and a 24/7 service — and it will tell you when none of them is worth buying.

What happens between your inputs and a number

Most legal calculators show you a figure and ask you to take the arithmetic on faith. Here is the whole path, in four steps.

  1. You enter the figures you already have

    A salary you are considering. Your fixed costs and what a unit costs to make. The state you operate in. Ordinary numbers, typed into your own browser and sent nowhere — every calculator here runs on your device.

  2. The published rates run on them

    Not our rates — the ones the IRS, the Social Security Administration, your state workforce agency, and your Secretary of State already publish. The wage base that caps Social Security. Your state's new-employer unemployment rate at its own taxable wage base. The filing fee and the franchise tax. Each step is shown, so you can follow the arithmetic instead of trusting it.

  3. It tells you what it cannot tell you

    Workers' compensation is priced by class code and insurer, so we show a note rather than a number. A state that publishes a formula rather than a flat fee gets the formula. A rate that varies by industry comes back as a range. The alternative — one confident figure covering an honest unknown — is what most of this category ships.

  4. And it hands you the source of record

    Every result carries the agency document it came from, the date a human opened that document, and a link to go read it. Where the agency publishes its own rate lookup or calculator, we point you at it. When a figure passes its review date the page says so; when we cannot open a source, we publish nothing for that state rather than guessing.

Verified, dated, cited

Every figure is transcribed from the IRS, the SSA, a state workforce agency, or a Secretary of State, and stamped with the date we read it. See every source →

Private by design

Calculators run entirely in your browser and work offline. Salaries, margins, and the plans you are weighing never leave your device.

Honest about the limits

We publish the math and point at the agency that sets the rate. Where an honest number does not exist — workers’ comp, a state that publishes a formula — we say so instead of inventing one. Read the disclaimer →

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