Team Cost Planner
Add several roles and see the total cost of employing the whole team for 2025/26 — salaries, Employer's NI and pension combined.
Your Team
Total Team Cost
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Enter your details to see the breakdown.
Estimates only — verify with HMRC or a qualified accountant.
What is The total cost of employing a team?
The total cost of employing a team is the sum of every role's salary plus the employer's on-costs — Employer's National Insurance and workplace pension contributions — for the 2025/26 tax year, with a single Employment Allowance applied across the whole business.
Formula
Team cost = Σ (Salary + Employer NI + Pension) − Employment Allowance
The total cost of employing a team at a glance
The key facts and figures for the 2025/26 tax year.
| Employer NI rate | 15%Above £5,000 per role |
|---|---|
| Pension minimum | 3%Of qualifying earnings |
| Employment Allowance | £10,500Once, across the whole team |
| Pension band | £6,240 – £50,270Qualifying earnings |
| Typical on-costs | 10–18%On top of the salary bill |
How it's calculated
- 1
Add each role's salary
Enter the gross salary for every role you're planning to employ.
- 2
Add Employer's NI
Each salary is charged 15% Employer's NI above the £5,000 threshold.
- 3
Add the workplace pension
Your chosen employer pension percentage is applied to each role's qualifying earnings.
- 4
Apply one Employment Allowance
The £10,500 allowance is offset once against the whole team's Employer's NI, not per person.
Worked example
Two roles at £35,000 and £28,000, 3% pension, with Employment Allowance claimed.
- Salaries
- £63,000
- Employer's NI (after allowance)
- £0
- Employer pension
- £1,516
- Total team cost
- £64,516
Rules & eligibility
On-costs add up fast
Across several roles, NI and pension typically add 10–18% on top of the salary bill.
One allowance for the business
The Employment Allowance is applied to the team's combined NI, not to each employee.
Model before you hire
Add or remove roles to see how headcount changes your annual cost.
Overheads not included
This focuses on statutory on-costs — add equipment, software and recruitment separately.