Wrap rate calculator
Compute a loaded billing rate the way DCAA expects.
Enter direct labor, fringe, overhead, G&A, and fee. The calculator applies them in the layered order most small federal contractors use under FAR Part 31, then shows the full breakdown so the math stays defensible.
Loaded billing rate
$104.92/hr
Wrap rate
2.10×
Total cost (no fee)
$97.15
Layered breakdown
- Direct labor$50.00
- + Fringe (32.00%)$16.00
- = Fringed labor$66.00
- + Overhead (28.00%)$18.48
- = Loaded cost$84.48
- + G&A (15.00%)$12.67
- = Total cost$97.15
- + Fee (8.00%)$7.77
- = Billing rate$104.92
Math is the easy part. Documentation is the audit-exposed part.
The wrap rate calculation above is straightforward. The reason small contractors get flagged in pre-award surveys and incurred cost audits is rarely the math — it's the absence of a documented pool structure, monthly rate tracking, and base allocation evidence. The FieldLedger Indirect Rate Engine handles that side.