TL;DR
- Loaded operator cost in Western Europe typically runs €24–€38 per productive hour.
- Employer contributions add 18–32% on top of gross wages depending on country.
- Use productive hours (~1,500–1,600 per year), not contract hours, as the divisor.
Labour is the largest controllable cost in garment decoration, yet most shops quote with a rounded gross wage. Benchmarks help you sanity-check your own loaded rate before it distorts every calculation.
| Country | Gross € / h | Employer add-on | Loaded € / productive h |
|---|---|---|---|
| Germany | 17–22 | ≈ 21% | 24–33 |
| Netherlands | 18–23 | ≈ 23% | 26–35 |
| United Kingdom | 14–19 (£12–16) | ≈ 18% | 20–28 |
| France | 16–21 | ≈ 30% | 26–36 |
| Italy | 13–18 | ≈ 28% | 21–30 |
| Spain | 11–16 | ≈ 30% | 18–26 |
| Poland | 8–12 | ≈ 21% | 12–18 |
| Czechia | 8–11 | ≈ 25% | 12–17 |
| USA | 17–24 ($18–26) | ≈ 15% | 22–31 |
How to use these figures
- 1Take your own gross annual payroll for direct staff.
- 2Add employer contributions from your payroll report, not from a table.
- 3Divide by productive hours: contract hours minus holiday, sickness, training and idle time.
- 4Compare with the band above. A rate far below the band usually means the divisor is wrong.
Interactive example
Loaded labour rate per productive hour
- Loaded rate
- € 26,71 / h
- Labour per garment
- € 0,245
- Annual loaded cost
- € 41.140
Same calculation kernel as the full calculators. For a decision-grade result, open the matching calculator.
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