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Free tool · Australia

True cost of a CFO calculator

Compare the real annual cost of a full-time CFO, including super, payroll tax, bonus and recruitment, against a fractional CFO and an AI CFO, for any Australian state.

Free, no sign-upAustralian rates & rulesRuns in your browser
The short answer

A full-time CFO on a A$280,000 base costs roughly A$390,000–A$400,000 a year in total once 12% super, state payroll tax, bonus, recruitment and on-costs are included. A fractional CFO at 3 days a month costs around A$61,000 a year at a A$1,700 day rate. CFOSurge's AI CFO Essentials costs A$18,000 a year.

Interactive

True Cost of a CFO Calculator

True cost of a CFO calculatorFull-time vs fractional vs AI CFO
Method

How it works and how to use the result

The calculator adds the 12% Super Guarantee, your state's payroll tax on the marginal salary (taking account of your existing wages bill and threshold), a 10% incentive, a 20% recruitment fee spread over two years, and an allowance for workers comp, equipment and overheads. Fractional cost is days × day rate × 12.

Use the result to frame the decision: what would you need the CFO to deliver in cash, margin or funding to pay back the difference?

FAQs

Frequently asked questions

Does the calculator include payroll tax?

Yes. It calculates the additional payroll tax the CFO's salary and super would trigger in your state, based on your existing wages.

Why include a recruitment fee?

Executive search fees are commonly 20–25% of base salary. We spread the cost over two years, a typical tenure assumption.

What day rate should I use for a fractional CFO?

Australian fractional CFO day rates commonly fall between A$1,500 and A$3,500. The default of A$1,700 is a mid-market median.

Last updated 15 October 2026 · Uses Australian rates and rules published at that date. Estimates only; not financial or tax advice.

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