✓ Verified 2026 .gov Tax & Interchange Schedule · 2026-10-27 🏛️ FTC 16 CFR Part 255 — Guides Concerning the Use of Endorsements …

B2B Cost Audit Terms of Service, Non-YMYL Safe Harbor & FTC Disclosure (2026)

Effective Date: October 27, 2026 · Non-YMYL Educational Safe Harbor: B2B Cost Audit (b2bcostaudit.com) is an independent B2B cost benchmark publication operated by Research Triangle Park AI Transformation LLC. Calculators and rate tables are mathematical estimates derived from public .gov schedules and published vendor rate cards and do not constitute formal legal, tax, CPA, or licensed insurance brokerage advice.

⏱️ 30-Second CFO Audit Verdict: B2B Cost Audit Terms of Service, Non-YMYL Safe Harbor & FTC Disclosure (2026) Deterministic 2026 Line-Item Math

🏆 12-MONTH TCO WINNER
Zero-PII Client-Side Calculation Architecture + Explicit FTC 16 CFR Part 255 Compliance
⚠️ HIDDEN FEE TRAP
We never collect SSNs, EINs, bank account numbers, or raw policy documents on our servers; all calculations execute locally in your browser.
⚡ RECOMMENDED SWITCH
Review our full terms terms and primary .gov regulatory citations below.

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🧮 DETERMINISTIC PAYROLL, MULTI-STATE SUI & EOR TCO CALCULATOR

Calculate Your 12-Month All-In Payroll, Multi-State Tax & EOR Cost

Adjust W-2 headcount, primary .gov SUI tax state, multi-state registrations, 1099 contractors, and international EOR seats to compare true 12-month TCO:

US W-2 Employees (1–250): 18

Primary State (.gov SUI Lookup): Official 2026 state DOL SUI + $42 IRS FUTA

Active US Tax States (1–50): 3 Triggers per-state filing fees on Rippling/ADP

1099 Contractors (0–100): 4 $6/mo on Gusto/OnPay vs. $49/mo Intl on Deel

International EOR Headcount (0–25): $599/mo EOR seat + 1.25%–3.0% FX spread

Include Hidden Year-End W-2/1099 Fees & State Reg Exposes ADP RUN $65 + $7.50/form & $150–$175 state reg fees

OnPay (Flat 50-State Tier) $2,112/yr $40 base + $6/seat · $0 extra state or W-2 fees

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Gusto Simple / Multi-State $2,652/yr $49 base + $6/seat · $0 W-2/1099 year-end fee

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Rippling Core + Payroll + IT $5,496/yr $85 base + $16/W-2 + $20/mo per extra state

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Deel US + Global EOR $6,456/yr $19/US W-2 · $49 Intl 1099 · $599/mo EOR + 1.25% FX

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ADP RUN Legacy Benchmark $4,685/yr Incl. $32/extra state + $7.50/form W-2 fee

Switch to Gusto/OnPay & save $2,033+/yr

🏛️ Statutory Employer Unemployment Tax Baseline (FUTA + State SUI): $5,166/yr

Based on 18 W-2 employees: $42/emp IRS FUTA (0.6% on $7,000) + $245/emp State SUI (plus 7.65% employer FICA on gross wages).

📄 Need a Board-Ready CFO Payroll & Multi-State SUI Audit Report (PDF + CSV)?
Includes line-item 12-month PEPM schedule, state .gov SUI table & contract buyout checklist (3 free exports remaining; Pro Unlimited $29/mo).

2026 Line-Item TCO Comparison & Partner Verification Table

Vendor / Statutory Benchmark	Verified 2026 All-In Rate & 12-Month TCO	Audit Action / Official Citation
IRS Publication 15 (2026 Federal Employer Tax Guide) (.gov) Official .gov Statutory Baseline	7.65% FICA + $42 FUTA statutory baseline	🏛️ Verify .gov Rule [1]
Verified 2026 Commercial Cost & Rate Schedule Audit Verified 2026 Payroll/HRIS Tier	100% Free Client-Side TCO Calculator · $0 PII Collected	Verify 2026 Partner Rates → [2]

All vendor base fees, PEPM tiers, and interchange markups verified as of October 24, 2026. Statutory SUI/FUTA/FICA and Federal Reserve Reg II debit benchmarks cite official .gov publications. Commercial links carry Sub-ID attribution via CJ (8108003), AWIN (3133124), and Rakuten (4767884) (methodology & disclosure).

Frequently Asked Questions (2026 Verified Data)

Does B2B Cost Audit collect or store personally identifiable information (PII) in its calculators?

No. Every calculator on b2bcostaudit.com executes 100% client-side in your browser. We never ask for or store names, emails, phone numbers, EINs, SSNs, or uploaded documents on any backend server.

Is B2B Cost Audit a licensed insurance producer, CPA firm, or law firm?

No. B2B Cost Audit (b2bcostaudit.com) is an independent B2B financial benchmark publication operated by Research Triangle Park AI Transformation LLC. All calculators provide mathematical estimates for informational planning only.

How are affiliate links disclosed on b2bcostaudit.com?

In strict compliance with FTC 16 CFR Part 255, every page carries an above-the-fold disclosure banner and every commercial outbound link is tagged with rel='sponsored nofollow noopener' and a deterministic clickref parameter.

Where can I send privacy, CCPA/CPRA, or legal inquiries?

Contact Research Triangle Park AI Transformation LLC at luke@rtpait.com.

Official Regulatory (.gov) & Published Vendor Fee Sources

FTC 16 CFR Part 255 — Guides Concerning the Use of Endorsements and Testimonials in Advertising (.gov) (verified 2026-10-27)
IRS Publication 15 (2026 Employer's Tax Guide) (.gov) (verified 2026-10-27)