Every payroll service quotes a base fee and a per-employee fee, which makes them impossible to compare at a glance. So put in your headcount and this works out what each one really costs a month, then shows exactly where per-employee pricing overtakes a low flat base.
Pricing reviewed 11 July 2026. Indicative US published pricing in USD; some providers (ADP, Paychex, Paycor) are quote-based and shown as typical figures.
Per-employee fees multiply. Change your headcount and the ranking re-sorts by your real monthly cost.
| Service | Base / mo | Per employee | Cost at your size | Per employee all-in | Best for |
|---|
Usually a $30 to $50 base plus $4 to $8 per employee, so a team of five runs about $55 to $90. PEOs charge $50+ per employee with no base, in exchange for bundled benefits. Enter your headcount above for your real figure.
For tiny teams, Patriot and SurePayroll usually win on a low base plus low per-employee rate. As you grow, whoever has the lowest per-employee fee wins, since that multiplies. Sort by cost at your size.
A low base plus a small per-employee charge suits most small businesses. Pure per-employee (PEO) pricing only pays off when the bundled benefits and HR are worth the premium. The calculator shows your crossover point.
Full-service payroll files and pays your federal, state and local payroll taxes automatically. A few cheaper self-service tiers hand that back to you. Check the plan is full-service, that is where the real value is.