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Temp-to-Hire Breakeven Calculator

Fill one role three ways and see the first-year cost of each. Hire direct, run a temp-to-hire trial and convert, or pay a direct placement fee. The calculator prices the trial, the declining buyout, and the waiver. It then tells you whether converting now beats riding the bill rate to the fee waiver.

Before you start

about two minutes, your own figures. Nothing is stored and no sign up is needed.

What you will need. Annual salary of the role, Temp hourly pay rate, Hours per week, Trial weeks before conversion

The role and your agreement terms

Enter the role, then the terms from your staffing agreement. Every fee and threshold is editable because agreements differ.
$/yr
$/hr
hrs
wks
The weeks you pay the agency bill rate before moving the worker to your payroll.
hrs
Most buyout fees decline with hours worked and are waived past the contract threshold.
Rates and fees
Agency markup on the pay rateSurvey range 25% to 75% (2025 industry data)
%
Employer burden on salaryPrivate-industry benefits run 30.1% of total compensation (BLS ECEC, March 2026)
%
Buyout fee, % of first-year salarySurvey range 10% to 25%, declining with hours worked
%
Fee waived at this many hoursCommon thresholds run about 520 to 1,000 or more hours
hrs
Direct placement fee, % of salary15% to 25% published range, 20% benchmark
%

What the right path is worth

Direct hire
Temp-to-hire
Direct placement
Buyout owed today

Breakeven and waiver read

Temp-to-hire is not always cheapest. When the buyout is high and the trial is short, direct placement or a straight direct hire can win, and the table above will say so. The model prices the first year only and leaves out what it cannot know: recruiting effort on the direct-hire path, ramp time, the cost of a wrong hire, and the co-employment exposure of long temp assignments. The buyout is modeled as declining straight-line to zero at the waiver. General information, not legal or tax advice.
Email yourself this breakdown We send the figures you just produced, with your inputs beside them.

The method

Direct hire, temp-to-hire, or direct placement

Every staffed role reaches the same fork. You can hire directly and carry salary plus burden from day one. You can run a temp-to-hire trial, paying the agency bill rate for the trial weeks and then converting. A buyout fee applies if you convert before the waiver threshold. Or you can pay a direct placement fee and put the person straight on payroll. That fee is typically 15% to 25% of first-year salary, with 20% as the published benchmark. Each path prices the same first year differently, and the cheapest one depends on your terms, not on a rule of thumb.

How this is calculated

How the buyout math works

Most staffing agreements price conversion as a percentage of first-year salary, in the published 10% to 25% range. The fee falls as the worker logs hours on the assignment. Common waiver thresholds run from about 520 hours, roughly thirteen weeks of full-time work, to 1,000 hours or more. This calculator models the fee declining straight-line to zero at your waiver threshold, so hours already worked reduce what you owe today. The paid workbook also models agreements where the fee holds flat until the waiver.

The breakeven question the tool answers

While a worker is on the bill rate, you pay an hourly premium over what the same person would cost on your loaded payroll. While the fee is declining, every hour worked also burns down the buyout. The breakeven read compares the two. When the hourly premium is larger than the fee decline per hour, converting now and paying the remaining buyout is the cheaper move. When the fee declines faster than the premium accrues, riding to the waiver wins. The read states which side your numbers land on and by how much.

What sits outside the model

The comparison prices the first year of one role. It does not price the recruiting effort a direct hire takes. Nor the risk that a wrong hire costs far more than any fee, or the classification and co-employment questions long assignments raise. Treat the output as the financial baseline that disciplines the negotiation, not the whole decision.

Carry this into the decision

Decide across ten open roles, not one

The paid Excel workbook adds a role portfolio view, a buyout schedule that also models flat-until-waiver fees, and a sourced assumptions tab.

Get the workbook

$29. 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.

Get the workbook →
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.

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