Every constant is on screen and sourced. None of them ask for an email before returning a number, because a calculator that holds your result hostage is a lead form wearing a costume.
Enter revenue and headcount. Returns an annual figure for unanswered calls, cost of card-funded growth, and healthcare your team absorbs — with every assumption on screen.
Run it →02Close rate × average ticket, with realistic per-call values for nine trades and the break-even count against a $549/month agent.
Open the tables →03What a 1.2 factor actually costs annualized, why the number moves with term length, and how to compare it against a bank line.
See the math →04What a $2,000 raise costs you after payroll tax versus what a $2,000 pre-tax benefit costs, and what each delivers to the employee.
Compare →05Five-step calculation with the three assumptions vendors inflate, plus how to structure a 30-day trial that actually proves the number.
Run the model →06Group plan, ICHRA, QSEHRA, level funding or supplemental — matched to headcount, with the ACA threshold at 50 FTEs modelled.
Find your route →Effective card processing rate, true cost of a bad hire, break-even on a new van — tell us what you are trying to work out.