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Wrap Rate Calculator GovCon

For small services contractors pricing labor: turn a direct hourly rate into a fully burdened, fee-loaded rate layer by layer, see your wrap multiplier, and check it against typical bands. Or derive your indirect rates from annual pool dollars.

$/hr
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Payroll taxes, health, retirement match, PTO. Applied to direct labor dollars.
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Total cost input (TCI) = everything before G&A: DL + fringe + overhead. The standard base.
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Applied to total burdened cost. CPFF statutory caps: 10% general, 15% R&D, 6% A-E design (FAR 15.404-4(c)(4)(i)).

Enter a year of pool dollars (actual or budgeted) and the tool computes the three-tier rates the way an indirect-rate schedule does: fringe on total labor, overhead on direct labor (+ fringe), G&A on total cost input. Exclude FAR 31.205 unallowables from every pool before you type them in.

Labor dollars

$/yr
$/yr
$/yr

Pools and other costs

$/yr
$/yr
$/yr
$/yr
$/yr

What goes in each pool

Three-tier structure (fringe, overhead, G&A) is the standard; many contractors under about $10M revenue combine fringe and overhead into two tiers. Whatever you choose, the base for each pool has to be applied consistently, year after year, and match what you disclose to the government.

Direct labor

Wages for hours charged to a contract. The base everything else is stacked on.

Fringe

Costs of employing people, allocated over labor dollars (direct and indirect).

Overhead

Support for contract work that cannot be tied to one contract.

G&A

Running the company as a whole, allocated over total cost input.

Fee / profit

The negotiated margin on top of cost. Not a pool; nothing is "in" it.

Never in a pool (FAR 31.205)

Expressly unallowable costs stay out of every pool billed to the government.

Rates are one input. A bid needs the whole buildup. The Bid Pricing Workbench stacks labor categories, hours, ODCs and fee into a priced proposal by contract type (FFP, T&M, CPFF) with the same math shown here.

Open Bid Pricing Workbench →
Built by an SDVOSB founder who has done this paperwork. Not legal, accounting or contracting advice — signals to check against the solicitation and your counsel. Data & rules last verified 2026-09-15: DCAA Manual 7641.90 "Information for Contractors" (Nov 2023), Encl. 3-4; FAR 15.404-4(c)(4)(i) fee limits; FAR 31.205 cost principles; typical-range bands are industry estimates (GovConGiants, GovDash guides), not regulation. Tell us if something changed. Privacy · nothing you type leaves your browser unless you email yourself a result.