Health insurance, 401k, G&A expenses, software costs.
Target profit margin added on top of total costs.
Rate Breakdown
Base Wage:$0.00
Statutory Burden Cost:$0.00
Overhead & Benefits Cost:$0.00
Total Cost to Firm:$0.00
Markup Amount:$0.00
All-Inclusive Bill Rate:$0.00 / hr
How to Calculate All-Inclusive Rate
The All-Inclusive Rate (AIR), often referred to as a "fully loaded rate" or "bill rate," is the final hourly price charged to a client for professional services. It differs significantly from the base wage paid to the individual performing the work.
Calculating an accurate all-inclusive rate is critical for staffing agencies, independent contractors, and consulting firms to ensure that all costs—both visible and hidden—are covered while maintaining a healthy profit margin.
To calculate the rate correctly, you must account for three distinct layers of cost before adding profit:
Base Hourly Wage: The actual pre-tax amount paid to the employee or contractor per hour.
Statutory Burden (The "Tax" Load): These are mandatory government costs. In the US, this typically includes:
Social Security & Medicare (FICA)
Federal and State Unemployment (FUTA/SUTA)
Workers' Compensation Insurance
Typical Range: 12% to 18% of base wage.
Overhead & Benefits (The "G&A" Load): These are internal costs required to support the employee, including:
Health, dental, and vision insurance
Retirement contributions (401k match)
Software licenses, equipment, and training
General administrative expenses (HR, payroll processing)
Typical Range: 10% to 25% of base wage.
Example Calculation
Let's assume you are hiring a senior developer with a base wage of $60.00 per hour.
Component
Percentage
Hourly Cost
Base Wage
N/A
$60.00
Statutory Burden
15%
$9.00
Overhead & Benefits
10%
$6.00
Total Cost
125% (cumulative)
$75.00
Agency Markup
30% (of total cost)
$22.50
All-Inclusive Rate
–
$97.50
Why is the All-Inclusive Rate Important?
Failing to calculate the AIR correctly can lead to margin erosion. If a business only marks up the base wage without factoring in the statutory burden and overhead, they may actually lose money on every hour billed. This calculator helps transparently identify the "break-even" point (Total Cost to Firm) so that any markup applied results in true profit.
function calculateInclusiveRate() {
// Get input values using var
var baseWageInput = document.getElementById('baseWage').value;
var burdenInput = document.getElementById('statutoryBurden').value;
var overheadInput = document.getElementById('overheadLoad').value;
var markupInput = document.getElementById('markupMargin').value;
// Parse values to floats
var baseWage = parseFloat(baseWageInput);
var burdenPercent = parseFloat(burdenInput);
var overheadPercent = parseFloat(overheadInput);
var markupPercent = parseFloat(markupInput);
// Validation
if (isNaN(baseWage) || baseWage <= 0) {
alert("Please enter a valid Base Hourly Wage.");
return;
}
if (isNaN(burdenPercent)) burdenPercent = 0;
if (isNaN(overheadPercent)) overheadPercent = 0;
if (isNaN(markupPercent)) markupPercent = 0;
// Calculation Logic
// 1. Calculate specific dollar amounts for burden and overhead
var burdenCost = baseWage * (burdenPercent / 100);
var overheadCost = baseWage * (overheadPercent / 100);
// 2. Calculate Total Cost (Break-even point)
var totalCost = baseWage + burdenCost + overheadCost;
// 3. Calculate Markup Amount
// Note: Markup is applied to the Total Cost here to determine selling price
var markupAmount = totalCost * (markupPercent / 100);
// 4. Calculate Final All-Inclusive Rate
var finalRate = totalCost + markupAmount;
// Display Results
document.getElementById('resBase').innerText = formatCurrency(baseWage);
document.getElementById('resBurden').innerText = formatCurrency(burdenCost);
document.getElementById('resOverhead').innerText = formatCurrency(overheadCost);
document.getElementById('resTotalCost').innerText = formatCurrency(totalCost);
document.getElementById('resMarkup').innerText = formatCurrency(markupAmount);
document.getElementById('resFinalRate').innerText = formatCurrency(finalRate) + " / hr";
// Show result div
document.getElementById('result').style.display = 'block';
}
function formatCurrency(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}