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Construction Labor Burden Calculator

The wage is not what a crew member costs. On top of base pay you carry payroll taxes, workers comp, benefits, tools and PPE, the truck, and overhead. This calculator adds it all up and shows the fully burdened hourly cost. That is the number your bids, job costing, and crew decisions should be built on.

Before you start

about a minute, your own figures. Nothing is stored and no sign up is needed.

What you will need. Annual base pay, Productive hours per year

The role

Enter a salary and set each cost component as a percentage of base pay.
$/yr
hrs
2,080 = 52 weeks x 40 hrs. The default pay is the 2026 average for construction production workers, about 38.33 dollars per hour. Reduce hours for weather days and planned time off if you want net field hours.
Burden components (% of salary)
Payroll taxesFICA 7.65%, FUTA, SUTA ~1.9% avg
%
Health and dental insuranceEmployer share of premiums
%
Retirement / 401k matchTypical 3% to 6% of salary
%
Workers compensationVaries widely by trade class and your mod. Roofing and structural classes run far higher. Use your policy rate.
%
Paid time off costPTO days as % of salary
%
Training, certifications, safetyApprentice time, cert renewals, safety training
%
Tools, PPE, vehicle shareSmall tools, PPE, the truck and fuel allocation
%
Overhead allocationYard, office, admin, insurance beyond comp
%

Fully burdened hourly rate

$56.90/hr
49% above base
Base hourly
$38.32
Burden %
49%
Annual burden
$38,655
Fully burdened annual
$118,355
Every hour of work at this salary costs $56.90. The base rate is $38.32.
Estimates only. Burden percentages vary by state, trade class, and benefits structure, and workers comp depends on your classification and mod. Check your policy and payroll reports for precise numbers before you bid from this estimate.
Email yourself this breakdown We send the figures you just produced, with your inputs beside them.

The method

What labor burden means on a jobsite

The wage you quote a new hire is not what an hour of their work costs you. On top of base pay you carry payroll taxes, workers compensation, benefits, and paid time off. Then training and certifications, tools and PPE, the truck, and a share of overhead. Together those are the labor burden, and the fully burdened hourly rate is the all-in cost of one field hour. It is the only labor number a bid should be built on.

How this is calculated

Why construction burden runs high

Skilled trades and construction can reach a total burden of 45% to 65% of base pay, more than most industries. Workers compensation is the biggest reason: field trade classifications carry premium rates that office work never sees, and your experience mod moves them further. Tools, PPE, and vehicle costs add a layer that desk jobs do not carry at all.

The components worth getting right

Payroll taxes are close to fixed: the employer share of FICA runs 7.65%, with federal and state unemployment on top. Workers comp should come straight from your policy, by class code. Benefits vary by company. Tools, PPE, and the truck are best estimated from last year’s actual spend divided by field headcount. Overhead is the yard, the office, and the insurance beyond comp, allocated across productive field hours.

From burden to the bid

Once you have the fully burdened rate, every estimate gets simpler and more honest. Labor hours times the burdened rate is the true labor line. Comparing overtime against adding a crew member, or a sub against an employee, only works when both sides carry their full burden.

Carry this into the decision

Put the burdened rate to work across the crew

The Construction and Trades HR System packages hiring, onboarding, attendance, and pay tools in one license, built on the burdened-rate math this calculator uses.

See the Construction and Trades HR System

$249. 30 days. Reply to your receipt or email support@truestephr.com for a full refund. No form or explanation is required, and you keep the files.

Related

More free tools and the notes behind them

This tool estimates from the figures you enter. It is general information rather than legal, tax, or accounting advice, so check the result against your own records before you rely on it.

Use the number

The calculation is the start of the decision.

Keep the result, move the live assumptions into an editable workbook, and put the number to work inside the matched kit.

01 · Calculate

Run the free analysis

Change the inputs until the result reflects the business you actually operate.

02 · Keep and model

Email the breakdown

Use the result form on this page, then carry the assumptions into the editable version.

See the Construction and Trades HR System →
03 · Decide

Apply it to the live issue

Apply the number inside the matched kit, and add a Setup Session if you want it running on your numbers.

Add a $149 Setup Session →