Free calculator

What does one worker really cost you an hour?

Pay is not the cost. The law adds taxes on top of every hour. Enter the pay and the hours. Each line below shows its math. If a number is missing, you see a dash, not a guess.

How is this person paid? By the hour By the hour, plus tips

Hourly pay ($)

Hours a week

State

Start date

Florida is filled in. For a state we have not checked, a rate stays a dash until you enter it in the app. The start date sets which minimum wage is in force.

Workers' comp class

Optional

Your insurer's workers' comp rate, per $100 of pay

Leave it blank to use our rough estimate for the class.

Benefits you pay, per month ($)

People hired for this job in a year, after the first

Each new hire starts a new $7,000 tax base. Leave it blank if the same person stays all year.

What one hour really costs

One worker · the same math as the app, running in your browser

True cost, per hour

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Working it out…

Planning estimate. Not tax advice. Your CPA reviews and files.

Where each line comes from

The taxes on top of pay.

Planning estimate. Not tax advice. Your CPA reviews and files.

Social Security

You pay 6.2% of each worker's pay. It stops at $184,500 of pay in 2026 (the wage base).

Source: SSA 2026 wage base (T1).

Medicare

You pay 1.45% of all pay, with no cap. The extra 0.9% is paid by the worker, not by you.

Source: IRS Pub. 15 (T2).

Federal unemployment (FUTA)

The rate is 6.0% on the first $7,000 of each worker's pay. A 5.4% credit brings it down to 0.6%.

Source: Federal Register 2026-00342 (T3).

Florida reemployment tax (RT-6)

A new employer pays 2.7% on the first $7,000 of each worker's pay. You file it on the RT-6.

Source: Florida Department of Revenue (T8).

When people quit

The $7,000 base for FUTA and RT-6 is per person, per year. So each new hire starts a new $7,000. Two people in one job cost more tax than one person who stays.

Source: the turnover rule in our profit model.

Workers' comp

This is insurance, priced per $100 of pay. Our rate for a class is a rough estimate from a rate website. Get your insurer's quote and put it in.

Source: rate website estimate (T11, T12). Your quote wins.

Tips and the tip credit

From 2026-09-30, the Florida minimum wage is $15.00. A tipped worker can be paid $11.98 in cash. Tips count for the other $3.02 (the tip credit).

Source: Fla. Const. Art. X §24 (T13).

FICA tip credit (IRC 45B)

You get back 7.65% of tips above what brings pay to $5.15 an hour. It comes off your income tax, so we show it apart from the cost.

Source: IRS, FICA tip credit for employers (T5).

One worker is one line. Your month has many.

See your whole month in the free demo. No account, no card. It is built for a laptop. On a phone you can read your numbers.

It plans your costs. It does not pay anyone or file anything.

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