US TAX Calculator

Pay Rate Analyzer

Enter client bill rate + candidate cost details — calculates actual rate from client (after VMS%) and your exact margin

Actual Rate = Bill Rate − VMS% | Margin = Actual Rate − Total Cost

Candidate & Assignment Details

Candidate Name

Job Title / Specialty

Client / Facility

Employment Type

Client Bill Rate & VMS Deduction

Client Bill Rate ($/hr)

VMS Fee % VMS/MSP platform fee

Actual Rate from Client ($/hr) After VMS deduction

Contract Period

Number of Weeks

Hours / Week

13 wks × 40 hrs = 520 hrs

Candidate Pay Rate

Pay Rate ($/hr)

Employer Tax % FICA+FUTA+SUTA+WC

Taxable Base = $50.00/hr

Assignment Location & GSA Per Diem

Select state then city — type to filter

State

City

Lodging/night$110

M&IE/day$68

Total/day$178

Weekly Total--

Per Diem/hr--

Per Diem not yet applied

Include Per Diem

Days/week:

(W2 tax on taxable base only; PD pass-through non-taxable)

Benefits Package (W2 only — included in cost, reduces margin)

Benefit Amount Basis Note

Health Insurance $600/month employer Full Pay Rate Medical+Dental+Vision

Paid Vacation 10 days/year Full Pay Rate Days × daily rate

Public Holidays 10 days/year Full Pay Rate Federal holidays

Sick Leave 5 days/year Full Pay Rate FMLA baseline

401(k) Match 6% of annual pay Full Pay Rate Employer contribution

3% 6% Both (9%)

Live Preview

Bill Rate $75.00

−

Total Cost/hr $--

Margin/hr $--

Margin % --%

Contract Profit $--

Candidate & Assignment Details

Candidate Name

Job Title / Specialty

Client / Facility

Pay Rate & Contract

Pay Rate ($/hr)

Contract Period

Number of Weeks

Hours / Week

13 wks × 40 hrs = 520 hrs

Assignment Location & GSA Per Diem

Select state then city — type to filter

State

City

Lodging/night $110

M&IE/day $68

Total/day $178

Weekly Total --

Per Diem/hr --

Taxable Base Pay = $50.00/hr | W2 tax on full pay rate

Include Per Diem

Days/week:

(W2 tax on taxable base only; benefits on full pay)

Benefits Package

Benefit Amount Basis Note

Health Insurance $600/month employer Full Pay Rate Medical+Dental+Vision

Paid Vacation 10 days/year Full Pay Rate Days × daily rate

Public Holidays 10 days/year Full Pay Rate Federal holidays

Sick Leave 5 days/year Full Pay Rate FMLA baseline

401(k) Match 6% of annual pay Full Pay Rate Employer contribution

3% 6% Both (9%)

Employer Tax %: % on Taxable Base (FICA + FUTA + SUTA + Workers Comp)

Your Margin %

Margin %

— additive markup on total cost

Contractor & Assignment Details

Contractor Name

Specialty / Role

Client / Facility

Assignment Location (Reference)

Location shown for reference — per diem not applied to 1099 cost

State

City

Contract Details

1099 Pay Rate ($/hr)

Contract Period

Number of Weeks

Hours / Week

13 wks × 40 hrs = 520 hrs

Margin %

→ Bill Rate = Pay Rate × (1 + Margin%)

No employer tax burden (saves ~12%)

No health insurance obligation

No paid leave / holidays / sick pay

No 401(k) matching required

Bill Rate = Pay Rate × (1 + Margin%)

GSA Per Diem Manager

Standard CONUS: $110 lodging + $68 M&IE = $178/day | Click any row to edit

🔄 Live GSA Rate Update

Pull latest official per diem rates directly from GSA.gov API

Fiscal Year

Filter & Browse

State

Add / Update Rate

State

City

County

Lodging

M&IE

ST ↕	State ↕	City ↕	County	Lodging ↕	M&IE ↕	Total/Day ↕	Updated	Use

Settings — Benefits, Tax & Calculation Basis

🔄 Live GSA Rate Update ▶

Benefits Cost Defaults

These values pre-fill the W2 calculator.

Health Insurance ($/month) Monthly employer premium — Medical+Dental+Vision

Paid Vacation (days/year) Annual vacation days

Public Holidays (days/year) Federal holidays — typically 10

Sick Leave (days/year) Paid sick days — FMLA baseline 5

401(k) Match % Default % of annual salary employer matches

Employer Tax % (W2) FICA+FUTA+SUTA+Workers Comp — default 12%

Default Hours/Week For annualizing benefit costs

Custom Benefits — Add extra benefits that appear as checkboxes in the W2 Calculator

On	Benefit Name	Amount	Calc Type	Note / Description	Delete
No custom benefits yet. Add one below.

Benefit Name

Amount

Calc Type

Note / Description

Per Diem Coverage & Pass-Through % — Controls how much of the GSA per diem rate is passed through to the candidate

Example — Standard CONUS ($178/day, 5 days/wk, 40 hrs/wk):
Full GSA per diem: $178.00/day → $22.25/hr
At 100%: Effective per diem = $178.00/day → $22.25/hr

100% — Full GSA rate passed to candidate (tax-free, non-taxable stipend) · Partial % — Only that share is passed; the remainder stays in your cost/margin pool · 0% — No per diem applied even if location has a GSA rate

Margin Calculation Basis

Margin on Base Pay Rate only [Default — Bill Rate = Base Pay + Benefits + Margin] Margin on Total Cost/hr (all components) Margin on Taxable Base + Per Diem only (when PD applies)

W2 Employer Tax in Bill Rate

Include 12% W2 employer tax charges in bill rate calculation

Default: OFF — Bill rate is calculated on base pay rate. Enable to add W2 employer tax (FICA + FUTA + SUTA + Workers Comp) on top of base pay before applying margin.

Cost Reference Guide

FICA SS+Medicare7.65% employer share on taxable wages

FUTA~0.6% on first $7,000 wages

SUTA~2.7% avg on first $10K — varies by state

Workers Comp~1.5% healthcare avg

W2 Total Burden10-15% typical — default 12%

Per Diem Tax RuleW2 tax ONLY on (Pay − PerDiem/hr). Partial PD% reduces pass-through accordingly.

Benefits RuleAlways on FULL pay rate

401k 6% MatchMost common employer match

Health Insurance$500-700/month employer avg

Standard CONUS$110 lodging + $68 M&IE = $178/day

🏥 US TAX Calculator

GSA Per Diem Manager

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