Disclaimer

Last updated: September 14, 2026

Estimates, not advice

RateCraft provides calculators and educational content for planning purposes. The results are estimates based on the numbers you enter and the assumptions stated on each page. They are not accounting, tax, legal, insurance, or financial advice, and they are not a substitute for a qualified professional who knows your business.

You enter the numbers

Output quality depends entirely on input quality. A burdened labor rate, overhead percentage, or markup that doesn't reflect your real financials will produce a confidently wrong answer. Check anything consequential against your books before quoting or making business decisions.

Ranges and examples

Typical ranges cited in explanations (for example, labor burden of roughly 25–40% of base wages) are planning heuristics from industry writing, not verified benchmarks or guarantees. Worked examples are illustrative.

Taxes and regulations

Payroll taxes, workers' compensation, licensing and contracting law vary by state and change over time. Nothing on this site addresses your specific jurisdiction. Consult your accountant, insurer, or attorney for those matters.