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In-House vs Subscription Calculator

Compare the true all-in cost of an in-house design team against a design subscription — with every overhead accounted for.

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Why In-House Always Costs More Than It Appears

The cost of an in-house designer is rarely just the salary. When you account for superannuation (11.5% in 2026), payroll tax, equipment, software licences, training, recruitment cost amortised over tenure, and the management overhead of adding a direct report, the true all-in cost of a mid-level designer is typically 1.35–1.45× their base salary — and that only covers one person's capacity, which rarely matches demand spikes.

This calculator helps you model the honest comparison. Enter your numbers and see the annual cost side by side.

In-House Team

Mid-level graphic designer: $75k–$95k
Amortised over 2.5yr avg tenure = ~$4,800/yr
Adobe CC, Figma, stock library
Mac amortised over 3 years + peripherals
Base salaries
Superannuation (11.5%)
Payroll tax (~6.45% NSW)
Recruitment (amortised)
Software licences
Equipment
Management overhead (15%)
Total Annual Cost

Design Subscription

TDS plans from $5,000–$25,000/month
Time managing briefs, reviews, approvals
Fully loaded cost of liaison staff member
Annual subscription
Internal management time
Onboarding (one-off, yr 1)$2,000
No recruitment risk$0
No equipment or software$0
No payroll obligations$0
Total Annual Cost

For a two-designer in-house team in Sydney (mid-level, $85k base each), the true all-in annual cost including super, payroll tax, software, equipment, and management overhead is approximately $268,000–$295,000. A full-service design subscription delivering equivalent or greater output capacity costs $120,000–$180,000 per year.

Download the Full Comparison Model

Includes 5-year cost comparison, capacity analysis, and risk-adjusted modelling — ready for CFO review.

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