{"id":10435,"date":"2026-10-27T09:00:00","date_gmt":"2026-10-27T09:00:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog\/?p=10435"},"modified":"2026-10-27T15:22:11","modified_gmt":"2026-10-27T15:22:11","slug":"labor-cost-calculator","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/labor-cost-calculator\/","title":{"rendered":"Labor Cost Calculator: Loaded Hourly Rate by Trade"},"content":{"rendered":"<div class=\"rv2\">\n<div class=\"rv-site-header\">\n<div class=\"rv-header-in\"><a class=\"rv-brand\" href=\"https:\/\/www.simplywise.com\/\" aria-label=\"SimplyWise home\"><span class=\"rv-bgi\" role=\"img\" aria-label=\"SimplyWise\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-navy.svg');aspect-ratio:546\/87\"><\/span><\/a><\/p>\n<nav class=\"rv-top-nav\" aria-label=\"Apps\">\n<ul>\n<li><a class=\"rv-tn\" href=\"https:\/\/www.simplywise.com\/#ch-estimates\"><span 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!important;line-height:1.02 !important;letter-spacing:-.045em !important}@media (min-width:1024px){.rv2 .sw-c h1,.rv2 .sw-t h1{font-size:52px !important;letter-spacing:-.05em !important}}@media (max-width:767px){.rv2 .sw-c section:first-of-type a[style*=\"border-radius:999px\"]:not([href*=\"preferences\/source\"]),.rv2 .sw-t section:first-of-type a[style*=\"border-radius:999px\"]:not([href*=\"preferences\/source\"]){display:flex !important;width:100% !important;justify-content:center !important;box-sizing:border-box !important;min-height:52px}}<\/style>\n<article class=\"pm\">\n<header class=\"pm__hero\">\n<div class=\"pm__inner\">\n<nav class=\"pm__crumb\">Blog &nbsp;&rsaquo;&nbsp; Construction Calculators<\/nav>\n<p><span class=\"pm__eyebrow\">Contractor Calculator &middot; Labor Cost<\/span><\/p>\n<h1>Labor Cost Calculator<\/h1>\n<p class=\"pm__dek\">A carpenter costs about $33.98 an hour on the BLS mean wage plus federal payroll tax, before your state and comp rates. Pick a trade and this labor cost calculator adds crew, hours, and markup.<\/p>\n<div class=\"pm__hero-cta\"><a class=\"pm__btn\" href=\"https:\/\/swcostestimator.app.link\/ce-ai\" rel=\"noopener\" target=\"_blank\">Try SimplyWise Cost Estimator free<\/a><span class=\"pm__hero-cta-note\">Free to try. Turn a photo into an itemized estimate in about 6 seconds.<\/span><\/div>\n<div class=\"pm__rating\"><span class=\"pm__stars\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span> <b>4.8<\/b> <span class=\"pm__rating-sub\">on the App Store for SimplyWise Cost Estimator<\/span><\/div>\n<div class=\"pm__meta\">\n<span>SimplyWise<\/span><br \/>\n<i><\/i><br \/>\n<span>Updated October 27, 2026<\/span><br \/>\n<i><\/i><br \/>\n<span>6 min read<\/span>\n<\/div>\n<p class=\"pm__prefsrc\" style=\"margin:16px 0 0;\"><a href=\"https:\/\/www.google.com\/preferences\/source?q=simplywise.com\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:8px;min-height:36px;max-width:100%;box-sizing:border-box;padding:6px 14px;background:#fff;border:1px solid #dbe6ff;border-radius:999px;color:#2563eb;font:600 13.5px\/1.3 Inter,-apple-system,sans-serif;text-decoration:none;white-space:nowrap;\"><svg width=\"18\" height=\"18\" viewBox=\"0 0 48 48\" aria-hidden=\"true\" focusable=\"false\" style=\"flex:none\"><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"\/><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"\/><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"\/><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"\/><\/svg>Add SimplyWise as a preferred source<\/a><\/p>\n<style id=\"swl-style\">.swl{background:#fff;border:1px solid #dbe6ff;border-radius:18px;box-shadow:0 8px 30px rgba(16,24,40,.10);padding:26px 26px 20px;margin:34px auto 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ease;}.swl__preset.is-on{background:#eff4ff;border-color:#2563eb;color:#2563eb;}.swl__grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}.swl__num{width:100%;padding:11px 12px;border:1.5px solid #e5e7eb;border-radius:10px;background:#fff;font:600 14px Inter;color:#111827;font-variant-numeric:tabular-nums;}.swl__hint{display:block;font:500 11.5px Inter;color:#9ca3af;margin-top:5px;}.swl__out{background:linear-gradient(180deg,#f0f5ff,#eef4ff);border:1px solid #dbe6ff;border-radius:14px;padding:20px 22px 13px;margin-top:4px;}.swl__big{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;border-bottom:1px solid #dbe6ff;padding-bottom:14px;margin-bottom:4px;}.swl__figure{font:800 38px\/1.05 Inter;color:#2563eb;letter-spacing:-.02em;font-variant-numeric:tabular-nums;}.swl__unit2{font:600 14px Inter;color:#4b5563;}.swl__row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:9px 0;border-bottom:1px solid rgba(219,230,255,.75);font:500 13.5px Inter;color:#6b7280;}.swl__row b{color:#111827;font-weight:700;font-variant-numeric:tabular-nums;text-align:right;}.swl__row--last{border-bottom:none;}.swl__row--total{border-top:2px solid #dbe6ff;margin-top:6px;padding-top:14px;}.swl__row--total .swl__figure2{font:800 26px Inter;color:#2563eb;font-variant-numeric:tabular-nums;}.swl__note{font:500 12px\/1.55 Inter;color:#9ca3af;margin:6px 0 4px;}@media(max-width:600px){.swl{padding:20px 16px 14px;border-radius:16px;margin-top:22px;}.swl__figure{font-size:32px;}.swl__grid{grid-template-columns:1fr 1fr;gap:10px;}}<\/style>\n<div class=\"swl\" id=\"swlcalc\">\n<span class=\"swl__kicker\">Free Labor Cost Calculator<\/span><\/p>\n<h3 class=\"swl__title\">Loaded hourly rate and total job cost, by trade<\/h3>\n<p class=\"swl__lede\">Pick a trade and wage basis, then enter your crew, hours, and rates.<\/p>\n<div class=\"swl__field\"><label>Trade, BLS OEWS May 2025.<\/label><br \/>\n<select class=\"swl__select\" id=\"swl-trade\"><option selected=\"\" value=\"carpenters\">Carpenters<\/option><option value=\"electricians\">Electricians<\/option><option value=\"plumbers\">Plumbers, Pipefitters, and Steamfitters<\/option><option value=\"roofers\">Roofers<\/option><option value=\"hvac\">HVAC Mechanics and Installers<\/option><option value=\"painters\">Painters, Construction and Maintenance<\/option><option value=\"landscaping\">Landscaping and Groundskeeping Workers<\/option><option value=\"cement\">Cement Masons and Concrete Finishers<\/option><option value=\"laborers\">Construction Laborers<\/option><option value=\"sheetmetal\">Sheet Metal Workers<\/option><\/select>\n<\/div>\n<div class=\"swl__field\"><label>Wage basis.<\/label><\/p>\n<div class=\"swl__presets\" id=\"swl-basis\"><button class=\"swl__preset is-on\" data-v=\"mean\" type=\"button\">Mean wage<\/button><button class=\"swl__preset\" data-v=\"median\" type=\"button\">Median wage<\/button><\/div>\n<\/div>\n<div class=\"swl__grid\">\n<div class=\"swl__field\"><label>Crew size.<\/label><input class=\"swl__num\" id=\"swl-crew\" max=\"50\" min=\"1\" step=\"1\" type=\"number\" value=\"1\"\/><\/div>\n<div class=\"swl__field\"><label>Hours on this job.<\/label><input class=\"swl__num\" id=\"swl-hours\" max=\"500\" min=\"0.25\" step=\"0.25\" type=\"number\" value=\"8\"\/><\/div>\n<div class=\"swl__field\"><label>State UI percent.<\/label><input class=\"swl__num\" id=\"swl-suta\" max=\"20\" min=\"0\" step=\"0.1\" type=\"number\" value=\"0\"\/><span class=\"swl__hint\">Enter your own state&#8217;s rate.<\/span><\/div>\n<div class=\"swl__field\"><label>Workers&#8217; comp percent.<\/label><input class=\"swl__num\" id=\"swl-wc\" max=\"50\" min=\"0\" step=\"0.1\" type=\"number\" value=\"0\"\/><span class=\"swl__hint\">Enter your own class code rate.<\/span><\/div>\n<\/div>\n<div class=\"swl__field\"><label>Markup percent, for the bill rate below.<\/label><input class=\"swl__num\" id=\"swl-markup\" max=\"200\" min=\"0\" step=\"1\" type=\"number\" value=\"20\"\/><\/div>\n<div aria-live=\"polite\" class=\"swl__out\">\n<div class=\"swl__big\"><span class=\"swl__figure\" id=\"swl-rate\">$33.98<\/span><span class=\"swl__unit2\">loaded hourly rate.<\/span><\/div>\n<div class=\"swl__unit2\" id=\"swl-rate-unit\" style=\"display:block;margin:-2px 0 10px;color:#6b7280;font-weight:500;font-size:13px;\">Carpenters, mean wage, before markup.<\/div>\n<div class=\"swl__row\"><span>Base wage, BLS OEWS.<\/span><b id=\"swl-wage\">$31.55<\/b><\/div>\n<div class=\"swl__row\"><span>FICA, 7.65 percent.<\/span><b id=\"swl-fica\">$2.41<\/b><\/div>\n<div class=\"swl__row\"><span>FUTA, net 0.6 percent on the first $7,000.<\/span><b id=\"swl-futa\">$0.02<\/b><\/div>\n<div class=\"swl__row\"><span>State UI, your rate.<\/span><b id=\"swl-suta-out\">$0.00<\/b><\/div>\n<div class=\"swl__row swl__row--last\"><span>Workers&#8217; comp, your rate.<\/span><b id=\"swl-wc-out\">$0.00<\/b><\/div>\n<div class=\"swl__row swl__row--total\"><span>Total labor cost, this job.<\/span><b class=\"swl__figure2\" id=\"swl-total\">$271.87<\/b><\/div>\n<div class=\"swl__row\"><span>Suggested bill rate, with markup.<\/span><b id=\"swl-bill\">$40.78<\/b><\/div>\n<div class=\"swl__row swl__row--last\"><span>Total you&#8217;d bill, this job.<\/span><b id=\"swl-billed\">$326.24<\/b><\/div>\n<\/div>\n<p class=\"swl__note\">FICA and FUTA are fixed by federal law. State UI and workers&#8217; comp vary by state and class code, so this calculator never guesses an average; enter your own.<\/p>\n<\/div>\n<p><script>\n(function(){\n  \/\/ SOURCED CONSTANTS, one block. Wages are BLS OEWS May 2025 national mean and\n  \/\/ median hourly wage by SOC code, read from the saved national workbook\n  \/\/ (gates\/paver-patio-cost\/oesm25nat\/national_M2025_dl.xlsx), captured 2026-09-26.\n  var TRADES = {\n    carpenters:  {name:'Carpenters', soc:'47-2031', mean:31.55, median:29.12},\n    electricians:{name:'Electricians', soc:'47-2111', mean:34.37, median:30.38},\n    plumbers:    {name:'Plumbers, Pipefitters, and Steamfitters', soc:'47-2152', mean:34.70, median:30.67},\n    roofers:     {name:'Roofers', soc:'47-2181', mean:27.95, median:26.65},\n    hvac:        {name:'HVAC Mechanics and Installers', soc:'49-9021', mean:31.14, median:29.33},\n    painters:    {name:'Painters, Construction and Maintenance', soc:'47-2141', mean:26.64, median:23.75},\n    landscaping: {name:'Landscaping and Groundskeeping Workers', soc:'37-3011', mean:20.33, median:18.82},\n    cement:      {name:'Cement Masons and Concrete Finishers', soc:'47-2051', mean:28.87, median:27.41},\n    laborers:    {name:'Construction Laborers', soc:'47-2061', mean:25.02, median:22.66},\n    sheetmetal:  {name:'Sheet Metal Workers', soc:'47-2211', mean:32.62, median:29.71}\n  };\n  \/\/ FICA employer share: IRS Topic 751, \"6.2% for the employer\" (Social Security)\n  \/\/ plus \"1.45% for the employer\" (Medicare) = 7.65 percent combined.\n  var FICA_PCT = 7.65;\n  \/\/ FUTA: IRS FUTA Credit Reduction page, \"The standard FUTA tax rate is 6.0% on\n  \/\/ the first $7,000 of wages subject to FUTA.\" Applied per employee per year,\n  \/\/ so it is annualized here against a standard 2,080-hour work year (40 hours\n  \/\/ times 52 weeks) and turned into an hourly dollar add-on.\n  var ANNUAL_HOURS = 2080;\n  var FUTA_CAP = 7000;\n  var FUTA_RATE = 0.006;\n  function r2(x){ return Math.round(x*100)\/100; }\n  function money(x){ var v=r2(x); return '$'+v.toFixed(2); }\n  function futaPct(wage){\n    var annual = wage*ANNUAL_HOURS;\n    var base = Math.min(annual, FUTA_CAP);\n    return base*FUTA_RATE\/annual*100;\n  }\n  function $(i){return document.getElementById(i);}\n  var trade='carpenters', basis='mean';\n  function run(){\n    var t=TRADES[trade];\n    var wage = basis==='mean' ? t.mean : t.median;\n    var crew = parseFloat($('swl-crew').value) || 0;\n    var hours = parseFloat($('swl-hours').value) || 0;\n    var suta = parseFloat($('swl-suta').value) || 0;\n    var wc = parseFloat($('swl-wc').value) || 0;\n    var markup = parseFloat($('swl-markup').value) || 0;\n    var fpct = futaPct(wage);\n    var burden = FICA_PCT + fpct + suta + wc;\n    var loaded = wage*(1+burden\/100);\n    var total = loaded*crew*hours;\n    var bill = loaded*(1+markup\/100);\n    var billed = bill*crew*hours;\n    $('swl-rate').textContent = money(loaded);\n    $('swl-rate-unit').textContent = t.name+', '+(basis==='mean'?'mean':'median')+' wage, before markup.';\n    $('swl-wage').textContent = money(wage);\n    $('swl-fica').textContent = money(wage*FICA_PCT\/100);\n    $('swl-futa').textContent = money(wage*fpct\/100);\n    $('swl-suta-out').textContent = money(wage*suta\/100);\n    $('swl-wc-out').textContent = money(wage*wc\/100);\n    $('swl-total').textContent = money(total);\n    $('swl-bill').textContent = money(bill);\n    $('swl-billed').textContent = money(billed);\n  }\n  $('swl-trade').addEventListener('change', function(){ trade=this.value; run(); });\n  var bb=document.querySelectorAll('#swl-basis .swl__preset');\n  bb.forEach(function(b){b.addEventListener('click',function(){\n    basis=b.getAttribute('data-v');\n    bb.forEach(function(x){x.classList.remove('is-on');});\n    b.classList.add('is-on');\n    run();\n  });});\n  ['swl-crew','swl-hours','swl-suta','swl-wc','swl-markup'].forEach(function(id){\n    $(id).addEventListener('input', run);\n  });\n  run();\n})();\n<\/script><\/p>\n<figure class=\"pm__fig\">\n<img decoding=\"async\" alt=\"A calculator sitting on a table, the kind of math a labor cost calculator runs to turn a trade wage into a loaded hourly rate\" loading=\"eager\" src=\"https:\/\/images.unsplash.com\/photo-1668930185267-1f3c19851b5b?w=1400&amp;h=700&amp;fit=crop&amp;q=80&amp;auto=format\"\/><br \/>\n<\/figure>\n<\/div>\n<\/header>\n<div class=\"pm__body\">\n<div class=\"pm__inner\">\n<aside class=\"pm__tldr\">\n<div class=\"pm__tldr-label\">Labor cost calculator, at a glance<\/div>\n<ol>\n<li>A carpenter&#8217;s loaded rate runs $33.98 on the mean BLS wage, before markup.<\/li>\n<li>FICA is fixed by law: 7.65 percent, 6.2 Social Security plus 1.45 Medicare (IRS).<\/li>\n<li>FUTA nets 0.6 percent on the first $7,000 a year per worker for most employers, so it adds about 2 cents an hour for every trade.<\/li>\n<li>State UI and workers&#8217; comp vary too much by state for one number, so you enter your own.<\/li>\n<li>The calculator multiplies the loaded rate by crew size and hours, then applies your markup.<\/li>\n<li>The formula: wage plus FICA plus FUTA plus your rates, times crew and hours.<\/li>\n<\/ol>\n<div class=\"pm__tldr-cta\"><span>Pricing a job today?<\/span><a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" rel=\"noopener\" target=\"_blank\">Try SimplyWise Cost Estimator free<\/a><\/div>\n<\/aside>\n<h2>What is a labor cost calculator?<\/h2>\n<p>A labor cost calculator turns a trade wage into the real hourly cost of a worker: wage plus payroll tax plus your state and comp rates, in one loaded rate. Pick a trade above; it multiplies that rate by crew size and hours.<\/p>\n<h2>How does this labor cost calculator build the loaded rate?<\/h2>\n<p>Two inputs are fixed by federal law. Two depend on your state, so you enter them.<\/p>\n<table class=\"pm__table\">\n<thead>\n<tr>\n<th scope=\"col\">Input<\/th>\n<th scope=\"col\">Rate<\/th>\n<th scope=\"col\">Fixed or entered<\/th>\n<th scope=\"col\">Source<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>FICA (Social Security and Medicare)<\/td>\n<td>7.65 percent of wage<\/td>\n<td>Fixed by federal law<\/td>\n<td>IRS Topic 751.<\/td>\n<\/tr>\n<tr>\n<td>FUTA<\/td>\n<td>Net 0.6 percent after the state credit, on the first $7,000 of wages a year<\/td>\n<td>Fixed by federal law<\/td>\n<td>IRS, FUTA Credit Reduction.<\/td>\n<\/tr>\n<tr>\n<td>State unemployment insurance<\/td>\n<td>No single figure; state specific<\/td>\n<td>You enter it<\/td>\n<td>Your state&#8217;s rate notice.<\/td>\n<\/tr>\n<tr>\n<td>Workers&#8217; compensation<\/td>\n<td>No single figure; class code specific<\/td>\n<td>You enter it<\/td>\n<td>Your policy or carrier.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The last two rows have no honest national average.<\/p>\n<p class=\"pm__inline-cta\"><a href=\"https:\/\/swcostestimator.app.link\/ce-ai\" rel=\"noopener\" target=\"_blank\">Turn a job photo into an itemized estimate, free.<\/a><\/p>\n<h2>Why does FUTA add about 2 cents an hour to every trade?<\/h2>\n<p>FUTA is 6.0 percent, but only on the first $7,000 a worker earns in a year (IRS). Employers generally get a 5.4 percent credit for state unemployment tax, for a net 0.6 percent (IRS). That net $42 spread across a 2,080-hour year comes to about 2 cents an hour, no matter the wage. In a credit reduction state the net runs higher.<\/p>\n<h2>Use the calculator, step by step<\/h2>\n<ol class=\"pm__steps\">\n<li>\n<h3>Pick your trade and wage basis<\/h3>\n<p>Mean and median both come from the same BLS OEWS table; median is less pulled by a few high earners.<\/p>\n<\/li>\n<li>\n<h3>Let FICA and FUTA apply automatically<\/h3>\n<p>The calculator adds 7.65 percent FICA and the capped FUTA amount to the wage for you.<\/p>\n<\/li>\n<li>\n<h3>Enter your own state UI and workers&#8217; comp rates<\/h3>\n<p>Pull both from your rate notice and comp policy.<\/p>\n<\/li>\n<li>\n<h3>Set crew size, hours, and markup<\/h3>\n<p>It multiplies the loaded rate by crew size and hours for raw labor cost, then applies your markup for a bill rate.<\/p>\n<\/li>\n<\/ol>\n<h2>Wages by trade, BLS OEWS May 2025<\/h2>\n<p>Ten trades, mean and median hourly wage. Pick any of these above and the loaded rate updates instantly.<\/p>\n<table class=\"pm__table\">\n<thead>\n<tr>\n<th scope=\"col\">Trade<\/th>\n<th scope=\"col\">SOC code<\/th>\n<th scope=\"col\">Mean hourly wage<\/th>\n<th scope=\"col\">Median hourly wage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Electricians<\/td>\n<td>47-2111<\/td>\n<td>$34.37<\/td>\n<td>$30.38.<\/td>\n<\/tr>\n<tr>\n<td>Plumbers, Pipefitters, and Steamfitters<\/td>\n<td>47-2152<\/td>\n<td>$34.70<\/td>\n<td>$30.67.<\/td>\n<\/tr>\n<tr>\n<td>Sheet Metal Workers<\/td>\n<td>47-2211<\/td>\n<td>$32.62<\/td>\n<td>$29.71.<\/td>\n<\/tr>\n<tr>\n<td>Carpenters<\/td>\n<td>47-2031<\/td>\n<td>$31.55<\/td>\n<td>$29.12.<\/td>\n<\/tr>\n<tr>\n<td>HVAC Mechanics and Installers<\/td>\n<td>49-9021<\/td>\n<td>$31.14<\/td>\n<td>$29.33.<\/td>\n<\/tr>\n<tr>\n<td>Cement Masons and Concrete Finishers<\/td>\n<td>47-2051<\/td>\n<td>$28.87<\/td>\n<td>$27.41.<\/td>\n<\/tr>\n<tr>\n<td>Roofers<\/td>\n<td>47-2181<\/td>\n<td>$27.95<\/td>\n<td>$26.65.<\/td>\n<\/tr>\n<tr>\n<td>Painters, Construction and Maintenance<\/td>\n<td>47-2141<\/td>\n<td>$26.64<\/td>\n<td>$23.75.<\/td>\n<\/tr>\n<tr>\n<td>Construction Laborers<\/td>\n<td>47-2061<\/td>\n<td>$25.02<\/td>\n<td>$22.66.<\/td>\n<\/tr>\n<tr>\n<td>Landscaping and Groundskeeping Workers<\/td>\n<td>37-3011<\/td>\n<td>$20.33<\/td>\n<td>$18.82.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>BLS OEWS national estimates, May 2025, read from the saved workbook 2026-09-26.<\/p>\n<h2>SimplyWise Cost Estimator for pricing labor<\/h2>\n<section class=\"pm__promo\">\n<p>SimplyWise Cost Estimator turns a job-site photo into an itemized estimate in about 6 seconds. Drop the loaded rate from this calculator onto the editable labor line, then send a branded quote the client signs to approve. It is $29.99\/mo or $239.99\/yr, about $20\/mo on annual, with a 7-day free trial.<\/p>\n<p><a class=\"pm__btn\" href=\"https:\/\/swcostestimator.app.link\/ce-ai\" rel=\"noopener\" target=\"_blank\">Try SimplyWise Cost Estimator free<\/a><br \/>\n<\/section>\n<h2>Keep reading<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/construction-calculators\/\">Construction Calculators<\/a>: every free takeoff calculator.<\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/contractor-hourly-labor-rates-by-trade\/\">Contractor Hourly Labor Rates by Trade<\/a>: full BLS wage tables.<\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/markup-vs-margin-construction\/\">Markup vs Margin in Construction<\/a>: what to add on top to profit.<\/li>\n<\/ul>\n<div class=\"pm__sources\">\n<h2>Sources<\/h2>\n<h3>Government payroll tax rates<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.irs.gov\/taxtopics\/tc751\" rel=\"noopener\" target=\"_blank\">IRS Topic 751<\/a>: &#8220;The current tax rate for Social Security is 6.2% for the employer&#8221; and &#8220;the current rate for Medicare is 1.45% for the employer.&#8221; Read live 2026-09-26.<\/li>\n<li><a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/futa-credit-reduction\" rel=\"noopener\" target=\"_blank\">IRS, FUTA Credit Reduction<\/a>: &#8220;The standard FUTA tax rate is 6.0% on the first $7,000 of wages subject to FUTA.&#8221; Read live 2026-09-26.<\/li>\n<\/ul>\n<h3>Wage and product facts<\/h3>\n<ul>\n<li>BLS OEWS, May 2025 national estimates, occupations 47-2031, 47-2111, 47-2152, 47-2181, 49-9021, 47-2141, 37-3011, 47-2051, 47-2061, and 47-2211, read from the saved BLS workbook, 2026-09-26.<\/li>\n<li><a href=\"https:\/\/apps.apple.com\/us\/app\/simplywise-cost-estimator\/id6670619664\" rel=\"noopener\" target=\"_blank\">SimplyWise Cost Estimator on the App Store<\/a>, 4.8 rating. <a href=\"https:\/\/www.simplywise.com\/blog\/pricing\/\">SimplyWise Cost Estimator Pricing<\/a>: $29.99\/mo or $239.99\/yr, 7-day free trial.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<section class=\"pm__faq\">\n<div class=\"pm__inner\">\n<h2>Frequently asked questions about the labor cost calculator<\/h2>\n<h3 class=\"pm__faq-cat\">The formula<\/h3>\n<details>\n<summary>How does this labor cost calculator work?<\/summary>\n<div>\n<p>Pick a trade. It starts from a BLS OEWS wage, adds FICA and a capped FUTA amount, then adds the state UI and workers&#8217; comp rates you enter, times crew size and hours.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>What percentage should I add for FICA and FUTA?<\/summary>\n<div>\n<p>FICA runs 7.65 percent: 6.2 percent Social Security plus 1.45 percent Medicare (IRS Topic 751). FUTA runs 6.0 percent, on the first $7,000 a worker earns, though most employers net 0.6 percent after the state credit (IRS).<\/p>\n<\/div>\n<\/details>\n<h3 class=\"pm__faq-cat\">Your own numbers<\/h3>\n<details>\n<summary>What should I enter for workers&#8217; comp and state unemployment insurance?<\/summary>\n<div>\n<p>Pull your comp rate from your policy by class code, and your state rate from your state&#8217;s notice. Both vary too much for one national number, so this calculator asks for your own instead of guessing.<\/p>\n<\/div>\n<\/details>\n<h3 class=\"pm__faq-cat\">Pricing the job<\/h3>\n<details>\n<summary>Can I quote a job from a photo?<\/summary>\n<div>\n<p>Yes. SimplyWise Cost Estimator turns a job-site photo into an itemized estimate in about 6 seconds. Drop the loaded rate from this labor cost calculator onto the labor line, and every line stays editable.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Does SimplyWise Cost Estimator calculate labor cost for me?<\/summary>\n<div>\n<p>It builds material, labor, and fee line items, each with unit, quantity, and price per unit. Enter the loaded rate you calculate here as the price per unit on each labor line. Pricing is $29.99\/mo or $239.99\/yr, with a 7-day free trial.<\/p>\n<\/div>\n<\/details>\n<\/div>\n<\/section>\n<section class=\"pm__final\">\n<div class=\"pm__inner\">\n<span class=\"pm__eyebrow\">Price the crew right<\/span><\/p>\n<h2>Turn a loaded labor rate into a bid that holds margin.<\/h2>\n<p>Snap a photo and get an itemized estimate with editable labor lines. Free to try, then $29.99\/mo or $239.99\/yr after a 7-day trial.<\/p>\n<p><a class=\"pm__btn pm__btn--lg\" href=\"https:\/\/swcostestimator.app.link\/ce-ai\" rel=\"noopener\" target=\"_blank\">Try SimplyWise Cost Estimator free<\/a><\/p>\n<\/div>\n<\/section>\n<\/article>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Labor Cost Calculator: Loaded Hourly Rate by Trade\",\n  \"description\": \"A labor cost calculator that turns BLS wage data into a loaded hourly rate by trade, then adds crew size, hours, and markup for total job cost.\",\n  \"author\": {\"@type\": \"Organization\", \"name\": \"SimplyWise\"},\n  \"publisher\": {\"@type\": \"Organization\", \"name\": \"SimplyWise\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.simplywise.com\/icon-512x512.png\"}, \"sameAs\": [\"https:\/\/www.crunchbase.com\/organization\/simplywise\"] },\n  \"datePublished\": \"2026-10-27\",\n  \"dateModified\": \"2026-10-27\",\n  \"mainEntityOfPage\": \"https:\/\/www.simplywise.com\/blog\/labor-cost-calculator\/\",\n  \"image\": \"https:\/\/images.unsplash.com\/photo-1668930185267-1f3c19851b5b?w=1400&h=700&fit=crop&q=80&auto=format\"\n}\n<\/script><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"HowTo\",\n  \"name\": \"How to use the labor cost calculator\",\n  \"step\": [\n    {\"@type\": \"HowToStep\", \"position\": 1, \"name\": \"Pick your trade and wage basis\", \"text\": \"Choose a trade above. Mean and median both come from the same BLS OEWS table; median is less pulled by a few high earners.\"},\n    {\"@type\": \"HowToStep\", \"position\": 2, \"name\": \"Let FICA and FUTA apply automatically\", \"text\": \"The labor cost calculator adds 7.65 percent FICA and the capped FUTA amount to the wage for you.\"},\n    {\"@type\": \"HowToStep\", \"position\": 3, \"name\": \"Enter your own state UI and workers' comp rates\", \"text\": \"Pull both from your state rate notice and your comp policy. Leave either at zero only if that cost truly does not apply to you.\"},\n    {\"@type\": \"HowToStep\", \"position\": 4, \"name\": \"Set crew size, hours, and markup\", \"text\": \"The calculator multiplies the loaded rate by crew size and hours for the job's raw labor cost, then applies your markup for a suggested bill rate.\"}\n  ]\n}\n<\/script><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How does this labor cost calculator work?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pick a trade. It starts from a BLS OEWS wage, adds FICA and a capped FUTA amount, then adds the state UI and workers' comp rates you enter, times crew size and hours.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What percentage should I add for FICA and FUTA?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"FICA runs 7.65 percent: 6.2 percent Social Security plus 1.45 percent Medicare (IRS Topic 751). FUTA runs 6.0 percent, on the first $7,000 a worker earns, though most employers net 0.6 percent after the state credit (IRS).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What should I enter for workers' comp and state unemployment insurance?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pull your comp rate from your policy by class code, and your state rate from your state's notice. Both vary too much for one national number, so this calculator asks for your own instead of guessing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I quote a job from a photo?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. SimplyWise Cost Estimator turns a job-site photo into an itemized estimate in about 6 seconds. Drop the loaded rate from this labor cost calculator onto the labor line, and every line stays editable.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does SimplyWise Cost Estimator calculate labor cost for me?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It builds material, labor, and fee line items, each with unit, quantity, and price per unit. Enter the loaded rate you calculate here as the price per unit on each labor line. Pricing is $29.99\/mo or $239.99\/yr, with a 7-day free trial.\"\n      }\n    }\n  ]\n}\n<\/script><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.simplywise.com\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Blog\", \"item\": \"https:\/\/www.simplywise.com\/blog\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Construction Calculators\", \"item\": \"https:\/\/www.simplywise.com\/blog\/construction-calculators\/\"},\n    {\"@type\": \"ListItem\", \"position\": 4, \"name\": \"Labor Cost Calculator\", \"item\": \"https:\/\/www.simplywise.com\/blog\/labor-cost-calculator\/\"}\n  ]\n}\n<\/script><\/p>\n<div class=\"rv-site-footer\">\n<div><span class=\"rv-bgi rv-wm\" role=\"img\" aria-label=\"SimplyWise\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-white.svg');aspect-ratio:546\/87\"><\/span><\/p>\n<p class=\"rv-tag\">Smart tools for contractors<\/p>\n<ul class=\"rv-foot-links\">\n<li><a href=\"https:\/\/simplywise.com\/login\">Log in<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/#program\">New Business Program<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/about\">About<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/support\">Support<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/privacy\">Privacy<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/terms\">Terms<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/\">Blog<\/a><\/li>\n<\/ul>\n<p><small>&copy; 2026 SimplyWise<\/small><\/div>\n<\/div>\n<\/div>\n<p><script>\ndocument.addEventListener('DOMContentLoaded', function() {\n  var sels = ['.entry-header','.page-header','article > h1:first-child','.entry-footer'];\n  sels.forEach(function(s){document.querySelectorAll(s).forEach(function(el){el.style.display='none';});});\n  var el = document.querySelector('.sw-a');\n  while (el && el !== document.body) {\n    el.style.maxWidth='100%'; el.style.width='100%'; el.style.padding='0'; el.style.margin='0';\n    el.style.float='none'; el.style.flex='0 0 100%';\n    el = el.parentElement;\n  }\n  document.body.style.marginTop='0'; document.body.style.paddingTop='0';\n});\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Estimates Receipts Mileage Room scans Visualizer Log in Estimates Receipts Mileage Room scans Visualizer Blog &nbsp;&rsaquo;&nbsp; Construction Calculators Contractor Calculator &middot; Labor Cost Labor Cost Calculator A carpenter costs about $33.98 an hour on the BLS mean wage plus federal payroll tax, before your state and comp rates. Pick a trade and this labor cost [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"89","_yoast_wpseo_content_score":"90","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_canonical":"","inline_featured_image":false,"footnotes":""},"categories":[181],"tags":[],"class_list":["post-10435","post","type-post","status-publish","format-standard","hentry","category-how-to-estimate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Labor Cost Calculator: Loaded Hourly Rate by Trade<\/title>\n<meta name=\"description\" content=\"A labor cost calculator that turns BLS wage data into a loaded hourly rate by trade, then adds crew size, hours, and markup for total job cost.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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