Is PAYROLL VAULT or H&R Block cheaper to open?

PAYROLL VAULT costs $77,375–$111,885 and H&R Block costs $34,080–$158,750 to open (FDD Item 7). H&R Block has the lower entry cost.

Which is the better franchise, PAYROLL VAULT or H&R Block?

FranchiseVerdict grades PAYROLL VAULT B and H&R Block B, from FDD Items 5–7, 19–21 and SBA loan performance. See the full side-by-side above.

PAYROLL VAULT vs H&R Block

Franchise Comparison 2026

Both PAYROLL VAULT and H&R Block are financial services franchises. PAYROLL VAULT requires an investment of $77K – $112K while H&R Block requires $34K – $159K. PAYROLL VAULT discloses average revenue of $282K; H&R Block makes no financial performance representation in its Item 19, which is voluntary under the FTC Franchise Rule. H&R Block has SBA lending data on file with a 5.6% charge-off rate. FranchiseVerdict rates PAYROLL VAULT B (Above average) and H&R Block B (Above average).

Metric	PAYROLL VAULT	H&R Block
Verdict Grade	BAbove average	BAbove average
Investment Range	$77K – $112K	$34K – $159K
Franchise Fee	$69K	$3K
Royalty Rate	6.0%	40.0%
Average Revenue (Item 19)	$282K	N/ANo Item 19 representation
SBA Charge-Off Rate	Limited data	5.6% (54 loans)
Total Units	61	8,688
Unit Growth (YoY)	+6 units	-148 units
Year Began Franchising	2012	2008
FDD Year	2025	2025