OnPay Pricing Calculator 2026
Estimate your total cost including hidden fees
The OnPay pricing calculator at CostBench estimates true total cost of ownership, factoring in implementation, support, training, and hidden costs that add ~50% beyond the advertised Free–$55/month pricing.
Your actual OnPay cost depends on team size, tier selection, contract length, and add-ons. Enter your specifics below to get a personalized breakdown with Year 1 and ongoing costs.
- Base pricing: 2 tiers available, Free–$55/month
- Annual savings: Typically 17% off with annual billing
- Implementation: $500–$2,000 per user
- Support fees: ~20% of license cost for premium support
- Training: $500 per user for onboarding and training
Compared to other payroll software tools, OnPay is budget-friendly. Hidden costs typically add 50% to the advertised price across the industry.
OnPay pricing ranges from $0 to $55 per month as of March 2026. OnPay offers 2 pricing tiers. Hidden costs include tax document mailing fees, which can add 30-60% to the base license fee. Pricing verified from 1 sources by CostBench.
Flat-rate pricing — cost doesn't vary by team size
Your Estimate
Cost Breakdown
Includes one-time costs (implementation, training)
Real-World OnPay Cost Examples
5-Person Small Business (Monthly)
$79$79/month ($948/year)
Base subscription plus 5 employees running payroll monthly
Calculated from standard pricing: $49 base + (5 × $6/employee)10-Person Growing Business (Monthly)
$109$109/month ($1,308/year)
Base subscription plus 10 employees with bi-weekly payroll runs
Calculated from standard pricing: $49 base + (10 × $6/employee)Compare at This Team Size
Frequently Asked Questions
01 How accurate is this OnPay pricing calculator?
This calculator uses official OnPay pricing data verified as of 2026-02-04T17:51:14.317830. Hidden cost estimates are based on 1 verified cost categories from real user reports. Actual costs may vary based on negotiated discounts, specific feature requirements, and implementation complexity.
02 What hidden costs should I include in my OnPay budget?
Our calculator includes 1 verified hidden cost categories for OnPay: Tax Document Mailing Fees. Toggle each to see how they affect your total cost.
03 Should I choose monthly or annual billing for OnPay?
Annual billing typically saves 15-20% compared to monthly rates. However, monthly billing provides flexibility if you're testing the platform or have fluctuating team sizes. Commit annually only once you've validated the tool fits your needs.
04 How do I know which OnPay tier I need?
Start with your must-have features. OnPay offers 2 tiers ranging from $0 to $55/month. Entry tiers work for basic needs, while enterprise tiers add advanced security, customization, and support.
05 Can I negotiate OnPay pricing below calculator estimates?
Yes, OnPay pricing is negotiable. Most companies save ~92% off list prices through negotiation, especially for larger deployments or multi-year commitments. See our <a href="/software/payroll/onpay/negotiation/">negotiation guide</a> for tactics.
Let Us Negotiate a Better OnPay Deal
Average client saves 22% on their OnPay contract. No upfront cost—you only pay when we save you money.