WellCore360 adds real benefits and lifts take-home pay at zero net cost, because the platform fee is capped at your payroll tax savings. Run your own numbers below, then book a consultation to see the full program.
Payroll Savings Calculator. Higher take-home for employees, lower payroll tax for employers.
One shared scenario, both sides of the ledger. Adjust the inputs to see the combined picture.
Net savings from a $1,200/month pre-tax deduction per participating employee, after the platform fee.
Net of platform fees, using 2026 payroll tax figures
Compare take-home pay with and without WellCore360 for an individual employee. State income tax uses actual 2026 brackets.
0% increase in take-home pay
2026 federal brackets, standard deductions, and state income tax brackets per IRS Rev. Proc. 2025-32 and Tax Foundation (2026 state rates, as of Jan 1, 2026). Social Security wage base $184,500 (SSA, 2026). Ten states plus DC also levy local income taxes not included here (approx. avg of AGI): KY 0.93%, MD 2.4%, NY 1.60%, OH 1.2%, PA 0.99%, IN 0.35%, OR 0.18%, MO 0.18%, MI 0.16%, IA 0.08%, AL 0.07%. Enter these in the local field if relevant. South Carolina's top rate is scheduled to revert to 6.2% on July 1, 2026. Employer figures use one average participating wage; enter it directly for a group that differs from the company average. A low-wage guard prevents the deduction from reducing wages below the set floor. Employee savings are floored at $0, reflecting the no-net-cost enrollment rule. One shared constants block drives all three tabs.
Share a few details and we'll follow up with your results and what implementation looks like for your team.
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The program is designed for zero net cost. The platform fee is capped at your payroll tax savings, so it never exceeds what the program saves you.
Savings depend on your workforce size, wages, and participation, so figures are personalized estimates rather than a fixed number. The calculator on this page gives you an estimate based on your inputs.
Yes. Participating employees typically see higher take-home pay, at no cost to them, while also gaining expanded benefits.
Employees participate through a compliant Section 125 plan and must be covered under an ACA-compliant group health plan, which spousal coverage can satisfy. Implementation is coordinated with your payroll and HR teams.
No. It is designed to be a lightweight addition for HR and payroll, and onboarding is handled as a guided process with your team.
