Сравнительный калькулятор доходов по 1099 и W2
Гид
Сравнительный калькулятор доходов по 1099 и W2
Compare your true take-home pay between working as a 1099 independent contractor and a W2 employee. This calculator accounts for self-employment tax, FICA contributions, health insurance costs, retirement contributions, business deductions, and employer benefits to give you an accurate side-by-side comparison.
Как использовать
Enter your annual gross income and filing status at the top. Then fill in the W2 employee details (employer health insurance contribution, 401k match, other benefits) and the 1099 contractor details (health insurance cost, retirement contributions, business expenses, home office deduction). The calculator automatically computes and displays a side-by-side comparison table showing taxes, deductions, and true take-home pay for both scenarios.
Возможности
- Complete Tax Breakdown – See federal income tax, state tax, Social Security, and Medicare calculated separately for W2 and 1099
- Self-Employment Tax – Automatically calculates the full 15.3% SE tax for 1099 including the 50% deduction
- Benefits Comparison – Factor in employer health insurance, 401k matching, and other W2 benefits against 1099 costs
- True Hourly Rate – See your effective hourly rate for both arrangements based on a standard 2,080-hour work year
- 2025 Tax Brackets – Uses current federal tax brackets with support for all filing statuses
Часто задаваемые вопросы
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What is the difference between a 1099 contractor and a W2 employee?
A W2 employee works under an employer who withholds income taxes, pays half of Social Security and Medicare taxes (FICA), and typically provides benefits like health insurance and retirement matching. A 1099 independent contractor is self-employed, responsible for paying the full self-employment tax (both employer and employee portions of FICA), and must arrange their own health insurance and retirement plans, but can deduct business expenses.
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What is self-employment tax and how is it calculated?
Self-employment tax is the equivalent of FICA taxes that W2 employees split with their employer. For 2025, it consists of 12.4% for Social Security (on income up to 76,100) and 2.9% for Medicare (on all income), totaling 15.3%. The tax is calculated on 92.35% of net self-employment income. An additional 0.9% Medicare tax applies to income above certain thresholds. Half of the self-employment tax is deductible as an above-the-line deduction.
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What deductions are available to 1099 contractors that W2 employees cannot claim?
Independent contractors can deduct ordinary and necessary business expenses including home office costs, equipment and supplies, professional development, business travel, health insurance premiums (as an above-the-line deduction), and contributions to self-employed retirement plans like SEP-IRAs or Solo 401(k)s. These deductions reduce taxable income and can significantly lower the effective tax rate compared to the gross tax rate.
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How much more should a 1099 contractor charge compared to a W2 salary?
Financial advisors generally recommend that 1099 contractors charge 25-30% more than the equivalent W2 salary to account for the additional self-employment tax (7.65% employer portion), self-funded benefits (health insurance, retirement), lack of paid time off, and business expenses. The exact premium depends on the value of the W2 benefits package, state tax rates, and the contractor's deductible business expenses.
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