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W-2 vs 1099 Take-Home Calculator
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W-2 vs 1099 Take-Home Calculator

Instant 2026 take-home comparison: W-2 salary vs 1099 rate

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A $5 instant calculator that compares a W-2 salary offer against a 1099 contract rate. Enter salary, hourly rate, state, and benefits, and it shows 2026 estimated take-home for both, including self-employment tax, the QBI deduction, and the extra costs contractors pay. Built for anyone weighing a job offer against contracting.

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Features

Instant side-by-side W-2 vs 1099 take-home

Self-employment tax and QBI deduction included

State-level 2026 estimates

Benefits and employer-cost adjustments

$5, no signup

Use Cases

Deciding between a salaried job offer and a contract role

Setting a 1099 hourly rate that matches a target salary

Freelancers estimating what they actually keep after taxes

Comments

I kept redoing the same spreadsheet every time a contract rate came up next to a salary offer, so I turned it into a $5 calculator that answers it in seconds: self-employment tax, QBI, state estimates, and benefits all included. Feedback on the math or the states you want covered is very welcome.

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Comments

I kept redoing the same spreadsheet every time a contract rate came up next to a salary offer, so I turned it into a $5 calculator that answers it in seconds: self-employment tax, QBI, state estimates, and benefits all included. Feedback on the math or the states you want covered is very welcome.

Premium Products