Free tool
Voluntary contribution ROI calculator
Some states let you pay into your SUI account to drop to a lower rate. See whether this year's savings beat the payment.
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The payment and the two rates.
Enter both rates, the payment, the wage base and your head count. The payback and the three-year return show here.
What a voluntary SUI contribution is.
A payment into your SUI account.
Many states let an employer pay into its unemployment insurance account beyond the required contributions. The balance rises, the reserve ratio improves, and the next year's rate can drop.
It has to cross a bracket.
If the payment does not move you into a lower rate bracket, the rate stays the same and the payment buys nothing. The state's rate table gives the exact amount needed.
39 states in this table take one.
Most deadlines fall on January 31; a few states use November 30 or another date. Miss the deadline and the lower rate waits a year.
More free tools.
- 2026 SUI rate lookup Any state's 2026 wage base, new-employer rate and rate range, how the state sets rates, and whether it takes voluntary contributions.
- Cost of a missed SUI notice What a missed rate notice can cost over three years, with the state's penalty schedule.
- SUI penalty and interest calculator The penalty and interest on a late SUI payment. Choose the state, enter the amount and the days late.
Got a notice?
Try the free notice scan: upload a text-based notice PDF and see its type, agency, deadline and a suggested next step. No account.