Practical tool / Budget and funding

First-year EOR cash planner

Separate twelve-month employment cost from deposits and the money needed before the first payroll.

Use a dated, itemised quote

One employee, twelve months, one currency. Enter every amount, using 0 only when confirmed. Blank means unknown. Use up to two decimal places. No country tax rates are supplied. Annual charges must already reflect contribution caps and the employee’s circumstances.

Your inputs only. Values are not saved when you leave or reload.

All amounts must use this currency; no conversion is performed.
Use the agreed gross salary; employee deductions are already within gross pay.
Enter the verified annual employer total divided by 12, after caps and thresholds. This is not a contribution-rate calculator.
Only amounts not included in salary or employer charges.
Include the actual quote and any recurring minimum fee.
For example mandatory extra salary, bonus or vacation premium not already included above.
Enter only additional costs not included in other lines. Recoverable VAT requires separate cash planning.
Assumed paid before start and included once in the annual cost.
Enter 0 if no exit payment is budgeted; this does not establish zero legal exposure.
Security cash only. Do not include payroll prefunding or fees.
Include only an evidenced expected cash refund, no more than the deposit paid.
Timing of cost already included above. Exclude setup fees and security deposit. Do not add it again to annual cost.

Your breakdown

Enter all amounts to calculate a complete breakdown.

Calculation rules

Annual cost = 12 × recurring monthly amounts + annual extras + FX / payment / non-recoverable tax costs + setup + expected termination payments.

Cash before start = initial payroll prefunding + setup fees + refundable deposit.

Net first-year cash outflow = annual cost + deposit paid − deposit returned within the year.

Prefunding is part of the annual costs paid early. It is not added to annual cost again. This model assumes all annual costs are paid within the year, and prefunding is fully used for them.

This is a planning model, not an accounting statement, liquidity peak calculation, country cost quote or final-pay assessment. Recoverable VAT, changing FX rates, mid-year salary changes, deposit write-offs and costs carried into another year require a separate monthly schedule.