The Unlimited Employees Framework: Quantifying AI Adoption Economics for Small and Medium Enterprises

This working paper introduces the Unlimited Employees Framework, a practical economic model for quantifying the financial impact of AI adoption in small and medium enterprises. It presents three analytical tools (the Fear Tax Calculator, Five Categories of Automatable Work, and the EBITDA Compounding Model) and demonstrates ROI multiples of 19x to 152x across service, professional, and e-commerce case studies. Adapted from the book "AI or Die: The Small Business Survival Guide to the Artificial Intelligence Revolution" (Partners and Moore, 2025).