Free employer benefits calculators and tools
Free calculators for the questions HR and finance teams ask us most, from renewal cost and funding to COBRA, ACA and enrollment deadlines. Each one gives an answer as you type. None asks for your email.
Renewal and Cost tools
Renewal Increase Checker
Test whether a renewal increase is in line with the market.
Cost Per Employee Calculator
Turn a carrier bill into cost per employee and per covered life.
Cost Projection Calculator
Project your premium over several years at two trend rates.
Employer Contribution Calculator
Model what the employer pays toward each tier and plan.
Self-Funded vs Fully Insured Calculator
Compare expected and worst-case cost with an insured premium.
ICHRA vs Group Plan Calculator
Compare an ICHRA with a traditional group plan.
Participation Calculator
See how enrollment affects cost and eligibility.
HDHP vs PPO Calculator
Find the break-even spend between two plan designs.
Deadlines and Notices tools
Open Enrollment Timeline Calculator
Turn a renewal date into a dated enrollment plan.
COBRA End Date Calculator
Find the coverage period and election deadline for each event.
Special Enrollment Deadline Calculator
Find the last day to request coverage after a life event.
Form 5500 Due Date Calculator
Find the due date and check the small-plan exemption.
ACA Reporting Deadline Calculator
Find your 1094-C and 1095-C filing dates.
Part D Deadline Calculator
Find the Medicare Part D notice and CMS filing dates.
Waiting Period Calculator
Check a new-hire waiting rule against the 90-day limit.
ACA Employer Rules tools
ACA 50-Employee Calculator
Count full-time equivalents against the 50-employee line.
ACA Measurement Period Calculator
Find the measurement and stability dates for variable-hour staff.
Employer Mandate Penalty Calculator
Estimate the exposure if coverage is not offered or affordable.
ACA Affordability Calculator
Check whether the lowest-cost option is affordable.
COBRA Cost Calculator
Work out the monthly premium a person pays by tier.
Employees and Payroll tools
Dependent Age 26 Calculator
Find the date a child ages out of the plan.
Dependent Audit Savings Calculator
Estimate what ineligible dependents cost the plan.
Medicare Enrollment Window Calculator
Find the seven-month window around age 65.
Payroll Deduction Calculator
Turn a monthly premium into a per-paycheck deduction.
Section 125 Tax Savings Calculator
Estimate the payroll tax saved by paying premiums before tax.
Michigan PA 152 Calculator
See the most a public employer can pay under the hard cap and the 80 percent option.
Compliance, cost and plan design tools
Employer Size Compliance Checker
See which federal rules apply at 20, 50 and 100 employees.
FMLA Eligibility Calculator
Check the three FMLA tests for an employee.
Plan Change Notice Calculator
Find the date employees must be told about a plan change.
Benefits Cost Percent of Payroll Calculator
Find your benefit cost as a share of payroll.
Total Compensation Calculator
Add employer-paid benefits to salary.
Out-of-Pocket Exposure Calculator
Show the worst-case cost of a plan as a share of pay.
Opt-Out Payment Calculator
Compare a waiver credit with the cost of enrolling.
Spousal Surcharge Calculator
Estimate savings from a spousal surcharge.
MLR Rebate Calculator
Estimate a medical loss ratio rebate on your group policy.
Stop-Loss Attachment Point Calculator
See the aggregate attachment point and your deductible in context.
Composite to Tiered Rate Calculator
Convert one composite rate into four tier rates.
Short-Term Disability Benefit Calculator
Estimate the weekly benefit, days paid and income gap.
Employee Turnover Cost Calculator
Estimate what turnover costs your company each year.
Wellness Program ROI Calculator
Test whether a wellness program covers its cost.
Large Claim Renewal Impact Calculator
See how one large claim could move your renewal.
Employer HSA Contribution Calculator
Budget an employer HSA contribution by coverage tier.
Group Life Insurance Premium Calculator
Estimate the premium for basic life coverage.
Long-Term Disability Premium Calculator
Estimate LTD cost per employee and a typical benefit.
New Hire Benefits Cost Calculator
See what a hire costs on top of salary.
Pharmacy Rebate Value Calculator
Estimate rebates earned, passed back and kept by the PBM.
Telehealth Savings Calculator
Test whether a telehealth benefit pays for itself.
Benefits Administration Time Cost Calculator
Estimate HR time spent on benefits and the value of time saved.
COBRA Subsidy Cost Calculator
Estimate the cost of paying part of COBRA for former employees.
ICHRA Allowance Budget Calculator
Budget an age-based allowance and check the 3 to 1 rule.
PMPM Claims Calculator
Calculate claims per member per month.
Group Loss Ratio Calculator
Compare claims with premium and see the change from last year.
Employee Premium Percent of Pay Calculator
See what share of pay the employee premium takes.
Premium Proration Calculator
Prorate a premium for a mid-month hire or termination.
Deductible HRA Cost Calculator
Estimate the cost of reimbursing part of the deductible.
Health Plan Quote Comparison Calculator
Compare carrier quotes with your current premium.
Rate Guarantee Value Calculator
Estimate what a multi-year rate cap could save.
Benefits Cost Per Hour Worked Calculator
See what benefits add to an hour of pay.
Dependent Coverage Cost Calculator
See how much of plan cost goes to dependents.
Tobacco Surcharge Calculator
Estimate collections and check the 50 percent limit.
Level-Funded Surplus Refund Calculator
Estimate the year-end refund on a level-funded plan.
Generic Dispensing Rate Savings Calculator
See what a higher generic rate is worth.
Medicare Part B Late Enrollment Penalty Calculator
Estimate the cost of delaying Part B.
Paid Time Off Liability Calculator
Estimate what unused PTO is worth.
Ancillary Benefits Cost Calculator
Total dental, vision, life and disability cost.
Benefits Budget Target Calculator
Turn a payroll target into a per-employee budget.
EAP Cost Calculator
Estimate annual EAP cost, cost per user and cost per session.
Voluntary Benefits Payroll Calculator
See the deduction per paycheck and total premium volume.
Hospital Indemnity Benefit Calculator
Compare a fixed hospital benefit with out-of-pocket cost.
Employee Plan Comparison Calculator
Compare two health plans at your expected spending.
FSA Tax Savings Calculator
Estimate net FSA savings and the break-even point.
COBRA vs Marketplace Cost Calculator
Compare premiums and lost deductible progress.
Life Insurance Needs Calculator
Illustrate your coverage gap after existing coverage.
Critical Illness Benefit Calculator
See how much of the cost a lump-sum benefit covers.
HSA Tax Savings Calculator
See your tax savings and the after-tax cost of an HSA.
Dental Benefit Maximum Calculator
See what a plan pays against its annual maximum.
Benefits Increase vs Raise Calculator
Turn a renewal increase into an equivalent raise.
Carrier Switch Savings Calculator
Compare multi-year premiums net of switching costs.
Leave of Absence Benefits Cost Calculator
Estimate the cost of coverage during employee leaves.
Headcount Growth Benefits Budget Calculator
Project plan cost as headcount and trend grow.
Age-Rated Premium Calculator
Total your premium by age band and find the average.
Vision Benefit Value Calculator
Compare vision benefits with the premium.
Pet Insurance Value Calculator
Compare the premium with likely vet reimbursement.
Legal Plan Value Calculator
Compare covered legal services with the premium.
Accident Insurance Benefit Calculator
Add up benefits for ER visits, injuries and stays.
Enrollment Tier Mix Premium Calculator
Total your premium by coverage tier.
Renewal Cost Sharing Calculator
See who pays for a renewal increase and how much per paycheck.
Dependent Care FSA Savings Calculator
Estimate tax savings on childcare costs.
Supplemental Life Insurance Cost Calculator
Turn a rate per $1,000 into a cost per paycheck.
Disability Income Gap Calculator
Compare a disability benefit with monthly expenses.
Wellness Incentive Limit Calculator
See the most you can reward employees for wellness.
Commuter Benefits Tax Savings Calculator
Estimate payroll and income tax savings on commuter benefits.
Broker Compensation Per Employee Calculator
See broker pay per employee and how a renewal changes it.
Percent vs Flat Dollar Contribution Calculator
Compare who pays the renewal increase under each approach.
Lifestyle Spending Account Budget Calculator
Budget a monthly stipend program.
Paid Family Leave Cost Calculator
Compare paying leave directly with an insured premium.
Specialty Drug Exposure Calculator
See how specialty drugs shape your claims.
Multi-Year Renewal Increase Calculator
See how three renewals compound.
Common questions
Are the tools really free?
Yes. There is no sign-up and no email request. Open one and type.
How accurate are the results?
They are planning estimates built on the rules and the numbers you enter. They do not replace your plan documents, your carrier contracts or legal advice.
Do you store what I type?
The calculators run in your browser. What you enter stays on the page.
Want the numbers checked against your plan?
The calculators give a planning estimate. Book a 30-minute call and we will run your real renewal, census and plan documents. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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