W2 vs 1099 Calculator - Find Your True Take-Home Pay
Compare a salaried employee offer against a contractor rate. See exactly where your money goes and what you actually take home.
W2 Employee Offer
Enter your base salary before any deductions
What percentage of your health insurance premium does your employer pay?
Your share after the employer contribution
Estimated monthly value of dental and vision coverage
We calculate the dollar value of your PTO based on your daily rate
Commuter benefits, wellness stipend, equity, etc. Enter estimated annual value
1099 Contractor Offer
Deduce based on sq footage or simplified $5/sqft method
50% deductible by default (business-use portion)
2025 IRS rate: 70 cents per mile
Self-employed individuals can deduct 100% of health insurance premiums
SEP-IRA allows up to 25% of net self-employment income, max $69,000 in 2025
More Free Tools
Standalone calculators for quarterly taxes, true hourly rate, and benefits value.
Your Income
Quarterly Payments
Each Quarter
$0.00
Recommended savings rate: 0.0% of gross
| Q1 | April 15, 2025 | $0.00 |
| Q2 | June 16, 2025 | $0.00 |
| Q3 | September 15, 2025 | $0.00 |
| Q4 | January 15, 2026 | $0.00 |