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Planning calculators

Arithmetic for planning, built from the questions clients ask most. These are not insurance quotes or market benchmarks; they show how your own numbers add up.

Nothing you type leaves this page.These calculators run in your browser. Nothing is saved or sent anywhere. Enter totals only: never names, dates of birth, Social Security numbers or health information.

What could your benefits budget look like?

Enter how many people are enrolled in each tier and the monthly premium from your quote or renewal. The example numbers are made up; replace them with yours.

Enrollment and monthly premium by tier

TierPeople enrolledMonthly premium Employee onlyEmployee + spouseEmployee + childrenFamily

Company pays, employee's own coverage (%)

Company pays, dependent coverage (%)Share of the cost above the employee-only premium

If the renewal changes premiums by (%)

Your annual numbers

Total premium: $0
Company pays: $0
Employees pay through payroll: $0
Average company cost
Company cost after the renewal change

Planning arithmetic only. Real costs depend on plan design, rating rules, enrollment changes and carrier terms.

PEO fee check

See what your PEO's administrative fee adds up to, and how it changes as payroll grows. This covers the admin fee only, not benefits premiums, taxes or workers' comp.

Annual payroll ($)

Employees today

How the admin fee is charged

Fee (% or $ per employee per month)

Payroll growth next year (%)

Employees next year

Optional: your budget for admin outside a PEO ($ per employee per month)

Admin fee, by the numbers

Admin fee this year: $0
Effective cost
Admin fee next year
Outside-a-PEO comparison

Example values are made up. A full comparison also separates benefits premiums, taxes and workers' comp; see how we evaluate a PEO.

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