Fractional vs. Full-Time CFO Cost Calculator
This CFO cost calculator shows what a full-time hire really costs — far more than the salary line. Add bonus, payroll taxes, benefits, and equity, and the loaded number climbs fast. Move the sliders to see how a fractional CFO retainer compares against that fully loaded figure.
Your estimate
Full-time, loaded / yr
$415,000
Fractional / yr
$96,000
You’d save in year one
$319,000
~77% less than the full-time hire · $957,000 over 3 years
Estimate only. Full-time cost loads base + bonus with ~25% for employer taxes and benefits, plus equity. Your numbers will vary by market and stage.
A fractional CFO buys you senior judgment at a fraction of that loaded cost — and you can scale scope up or down as your situation changes, with no long-term contract. When the savings make sense, see the published pricing or book a working session.
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Book a working session.
A 20-minute call, a clear read on your numbers, and a straight answer on whether a fractional CFO is the right call right now.