1099 vs W2 Calculator
Main calculator for comparing contractor pay with employee salary, taxes, PTO, benefits, and business costs.
Tool directory
Free 1099 and Contractor Pay Calculators
Use these free calculators and guides to compare 1099 and W-2 offers, estimate contractor hourly rates, convert 1099 pay to W-2 salary equivalent, plan tax reserves, price freelance or consulting work, and understand take-home pay assumptions.
Choose the Right Calculator
Start with the calculator that matches the decision you are making today. If you are comparing an employee offer with a contractor offer, use the main 1099 vs W2 calculator. If you already know the contractor rate and want the employee equivalent, use the W2 salary equivalent calculator. If your main question is cash flow, use the 1099 take-home pay calculator or quarterly tax calculator.
| Your Question | Best Tool | Use It When |
|---|---|---|
| Is a 1099 offer better than a W-2 job? | 1099 vs W2 Calculator | You need a full side-by-side comparison with benefits, PTO, taxes, and expenses. |
| How much will I keep from 1099 income? | 1099 Take Home Pay Calculator | You want a contractor net pay estimate after expenses and tax reserves. |
| What hourly rate should I charge? | 1099 Hourly Rate Calculator | You are converting a salary target into a contractor rate. |
| What W-2 salary equals my contractor rate? | W2 Salary Equivalent Calculator | You already have a 1099 rate and want to compare it with employee compensation. |
| Is a locum assignment better than employment? | Locum vs W2 Calculator | You are comparing locum tenens, per diem, temporary, or employed healthcare pay. |
Compare 1099 and W-2 Pay
1099 vs W2 Tax Calculator
Compare payroll tax, self-employment tax, income reserves, benefits, and expenses.
W2 Salary Equivalent Calculator
Convert a contractor rate into a rough W-2 salary equivalent.
W2 to 1099 Conversion Guide
Convert employee salary into a contractor hourly rate using benefits, expenses, and billable hours.
Set Contractor, Freelance, and Consulting Rates
Freelancer Capacity Planner
Plan annual billable hours, utilization, projected income, and the hourly rate required for a target.
1099 Rate Calculator
Work backward from a salary target to a contractor hourly rate.
1099 Salary Calculator
Convert contractor hourly rate into annual pay and W-2 equivalent estimates.
Contractor Rate Calculator
Price contract work using billable hours, overhead, benefits, and risk assumptions.
How Much Should I Charge as a Contractor?
Estimate a quote from target income, expenses, billable hours, admin time, and risk premium.
Freelance Hourly Rate Calculator
Estimate a freelance rate that covers unpaid time, software, taxes, and client gaps.
Consultant Rate Calculator
Set a consulting fee based on expertise, utilization, costs, and project risk.
Self Employed Hourly Rate Calculator
Estimate an hourly rate for self-employed work after costs and reserves.
Locum vs W-2 Calculator
Compare temporary healthcare contractor or locum pay with W-2 employment offers.
Tax and Take-Home Planning
1099 Take Home Pay Calculator
Estimate contractor net pay after expenses, insurance, and tax reserves.
Contractor Paycheck Calculator
Convert annual 1099 income into rough monthly and biweekly paycheck-style planning amounts.
1099 Quarterly Tax Calculator
Estimate a simple quarterly tax reserve for contractor income and self-employment tax planning.
Freelance Tax Calculator
Estimate freelance tax reserves, self-employment tax, expenses, and net income.
1099 Tax Deductions for Contractors
Review common contractor expense categories and estimate rough profit after business costs.
1099 vs W2 Tax Calculator
Compare payroll tax, self-employment tax, income reserves, benefits, and expenses.
Hiring Cost Comparison
Employee vs Contractor Cost Calculator
Compare W-2 employee costs with contractor costs from an employer perspective.
All calculators provide rough educational estimates only and are not tax, legal, financial, accounting, or employment advice.