About CostCrunch
Free, accurate financial calculators for small business owners — no signup, no data collection.
What CostCrunch Does
CostCrunch provides free financial calculators specifically designed for small business owners, entrepreneurs, and anyone who needs quick, accurate business calculations. From break-even analysis to employee cost estimation, our tools help you make better financial decisions without spreadsheets or expensive software.
All calculations run entirely in your browser. We don't collect your numbers, store your inputs, or send any data to our servers. What you calculate stays with you.
Our Calculators
Employee Cost Calculator
True employer cost beyond salary — FICA, FUTA, SUTA, and workers' comp for all 51 states.
Payroll Tax Calculator
Employer and employee payroll tax breakdown with state-specific rates.
W-2 vs 1099 Calculator
Compare the true cost difference between hiring an employee vs. a contractor.
Break-Even Calculator
Find the exact revenue needed to cover your fixed and variable costs.
Startup Cost Estimator
Estimate launch costs for restaurants, bakeries, salons, retail, and more across 50 cities.
Markup & Margin Calculator
Convert between markup and margin, and find the right price for your products.
Loan Comparison Calculator
Compare multiple loan options side-by-side on total cost and monthly payments.
Profit Margin Calculator
Calculate gross, operating, and net profit margins for your business.
Cash Flow Forecast
12-month cash flow projection to plan for growth, debt, and survival runway.
Privacy First
Every calculation on CostCrunch runs entirely in your browser using JavaScript. Your salary figures, business numbers, and financial data are never transmitted to our servers, never stored, and never shared. Close the browser tab and the data is gone.
We use Umami Analytics (self-hosted) to track anonymous page visits — no cookies, no fingerprinting, no cross-site tracking. We do not use Google Analytics or any third-party advertising trackers.
Our Data Sources
All rates and figures come from official government sources. For full detail on sources and formulas, see our Methodology page.
- ✓ Social Security Administration: Annual wage base limits and FICA rates
- ✓ IRS (Publication 15): FUTA rates, federal withholding tables
- ✓ State Workforce Agencies: SUTA rates and wage bases for all 51 jurisdictions
- ✓ NCCI and State Rating Bureaus: Workers' compensation reference rates by state
- ✓ Bureau of Labor Statistics: Regional cost-of-living indices for startup cost estimates
Built by Zac Randles
Developer & founder
I built CostCrunch because I kept Googling the same tax math — "how much does an employee actually cost?" — and getting blog posts that were either wrong, outdated, or paywalled. So I built the calculator I wanted: one that pulls from official government sources, runs entirely in your browser, and doesn't try to upsell you on payroll software.
CostCrunch is an independent, bootstrapped project. I'm not affiliated with any payroll company, HR software vendor, or financial institution. My only goal is to give you the right number as quickly as possible — no signup required, no data collected, no ads cluttering the result.
Data is reviewed and updated annually, typically in January–March after state agencies publish new-year rates. All data reflects 2026 tax year figures unless otherwise noted.
Questions or Corrections?
Found a rate that looks wrong? Have a suggestion for a new calculator? We take data accuracy seriously and welcome corrections. The best way to reach us is to reference the specific state or calculation you believe is incorrect, along with your source.
For methodology questions and formula documentation, see the Methodology page.
For state-by-state employer cost data, see the States Hub.
Was this calculator helpful?
Your feedback helps us improve CostCrunch
Thank you for your feedback! ✓
Save Your Results
Download a professional PDF report with your complete analysis, charts, and key insights.
Download Your Report
Enter your email to get your personalized PDF report. We'll also send you useful financial tips.
No spam. Unsubscribe anytime.
More Free Calculators
Break-Even Calculator
Find how many units to sell to cover costs
Markup & Margin
Convert between markup and margin percentages
Startup Cost Estimator
Estimate one-time and recurring startup costs
Loan Comparison
Compare loan options side by side
Profit Margin Calculator
Calculate gross, operating, and net margins
Employee Cost Calculator
Find the true cost of hiring an employee
Payroll Tax Calculator
Estimate employer payroll taxes by state
Cash Flow Forecast
Project cash flow and calculate runway
W-2 vs 1099 Calculator
Compare employee vs contractor costs
Self-Employment Tax Calculator
Estimate SE tax and quarterly payments for freelancers
Salary to Hourly Calculator
Convert between salary and hourly rate
Get notified when tax rates change
We monitor payroll tax rates, SUTA, and cost-of-living data across all 50 states. When rates change, we'll let you know. Free, no spam.
We respect your privacy. Unsubscribe with one click.