Fully Loaded Employee Cost Calculator
A wage is only the start. Super, on-costs, overhead and the hours you pay for but don't get back all stack on top. Model what an employee really costs — per year, per hour and per minute.
Your numbers
Unlock the full cost model
Membership lets you itemise on-costs by country and state (auto payroll tax, WorkCover and leave loading), break overhead down to dollars per seat, itemise shrinkage, and download a branded PDF business case for leadership — plus the whole Workforce Management hub.
How this is calculated
Fully loaded annual cost = base wage + superannuation + other on-costs + overhead. The per hour and per minute figures divide that annual cost by your paid time (fully-loaded basis) or by your productive time — paid time minus shrinkage — when you switch the toggle. Leave sits inside shrinkage, so the productive view reflects the hours you actually get. All defaults are editable; itemise them for a sharper number.
Fully loaded cost
Figures are estimates for planning and discussion, not tax advice. Confirm statutory rates with the linked authority.
FAQs
Got questions about the Employee Cost Calculator?
What does the Employee Cost Calculator work out?
It shows what an employee really costs once superannuation, other on-costs and overhead are added to the wage. You see the fully loaded cost per year, per hour and per minute, so you can budget, price work and plan headcount on the real number, not the salary.
What's the difference between the fully loaded and productive views?
The fully loaded view spreads the cost across every paid hour. The productive view spreads it across paid hours less shrinkage (paid time that isn't productive, such as leave, public holidays, breaks, training and meetings), so you see the cost per hour actually worked.
Is it free?
Yes. Anyone can use the core cost model, which uses a single percentage each for on-costs, overhead and shrinkage.
Individual Members and Business and Vendor Membership seats unlock the itemised model and the PDF. Own a Business or Vendor Membership? Switch to your Individual Membership to use it. The admin login is just for managing the membership. See https://acxpa.com.au/membership/
What can members itemise?
Members can itemise on-costs by country and state, with payroll tax rate and threshold and the WorkCover authority filled in for each Australian state, plus New Zealand (KiwiSaver and ACC) and the Philippines (SSS, PhilHealth, Pag-IBIG and 13th-month pay). You can also break overhead down to dollars per seat and itemise shrinkage across 8 categories.
Can I share the result with leadership?
Members can download a branded PDF business case. Figures are estimates for planning and discussion, not tax advice, so confirm statutory rates with the authority the calculator links to.
Which currencies does it support?
AUD, USD, GBP, EUR, NZD, CAD, SGD, INR, PHP and ZAR.
Still stuck? Ask the ACXPA team and we'll help.
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