One office manager at $52,000, one bookkeeper at $48,000, and two technicians at $45,000, each as salary plus 0.6% FUTA and 2% SUTA, totals $208,503.00.
Tool · several roles
Annual Payroll Budget Calculator
Enter two to eight roles. For each role you can type a salary, so the calculator adds 2026 employer FICA and the unemployment rates you enter once, or you can paste a loaded cost you already trust. Blank roles are ignored. A zero headcount is a message, not a broken total.
Tax-year assumptions: 2026. Employer FICA from IRS Publication 15. FUTA and SUTA are user-entered.
When this estimate fits
The budget fits a small U.S. shop that wants a year total before software is opened. It fits a mix of salaries that still need employer FICA and a couple of roles whose loaded cost you already calculated elsewhere.
The budget does not replace a general ledger, a 50-state unemployment file, or a benefits office. It does not estimate take-home pay for anyone on the list.
If you leave a role blank, that row is ignored. If you type a name but leave headcount at zero, the calculator asks for a count instead of printing NaN.
If you already know a role costs $70,000 loaded, choose “Already a loaded cost.” That $70,000 is multiplied by headcount and is not run through FICA again.
Roles 4 through 8 start blank. They do not change the total until you enter both a headcount and a pay figure.
On this tool
Is the average a mean of salaries or of loaded cost?
The average is the annual budget divided by the headcount or FTE you entered. It is an employer-cost average, not an average take-home wage.
Can I enter a half FTE?
Yes. A count of 0.5 is allowed. A count of 0 on a started row is treated as an error.
More questions?
See the home FAQ for employer versus employee FICA, FUTA versus SUTA, and why this is not a payroll service.