Honed Money · Business

Salary is only the starting line.

Estimate the full cost of a U.S. employee after employer payroll taxes, benefits, insurance, and workplace overhead.

Pay

REQUIRED
$
$

Benefits

OPTIONAL
$
Employer’s annual share.
$
Leave, stipends, insurance, perks.
% of salary

Insurance & overhead

OPTIONAL
$
Annual employer estimate.
% of pay
Varies by job and state.
% of salary
Workspace, equipment, software, recruiting, management, or other indirect cost.
2026 federal payroll-tax estimate

Automatically adds 6.2% Social Security up to $184,500, 1.45% Medicare on taxable pay, and 0.6% federal unemployment on the first $7,000.

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See the cost beyond the offer.

Add the employer expenses that sit around salary to build a more realistic annual hiring budget.

Last reviewed: October 2026.