Free tool · 60 seconds · real 2026 rates

What does your $45/hr bloke actually cost you?

Most subbies price labour on vibes. Punch in your real numbers and watch the rate build up — super, leave, comp, downtime, on-costs. Then look at your margin.

Base hourly rate ($/hr)Hours per weekSuper (%)Workers comp (% of wages)Annual leave (weeks/yr)Personal leave (days/yr)Public holidays (days/yr)Downtime (%)Vehicle, tools, phone, PPE ($/yr)Overhead allocation ($/yr)

Payroll tax applies (grouped wages over ~$1.2m) — NSW 5.45%

Your charge-out rate ($/hr)

SubbieOS builds rates up live — per employee, off your actual costs, repriced when they change.

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General information only, not financial advice. Defaults are a guide — use your own numbers and confirm on-costs (super, payroll tax, workers comp) with your accountant. Rates current for 2026: super guarantee 12%; NSW payroll tax 5.45% above the grouped-wages threshold.