1099 vs W-2 Calculator
Should you take the W-2 job or the 1099 contract? See actual take-home with FICA, SE tax, expenses, and benefits.
These are estimates. Want real numbers from a real CPA?
Real fee benchmarks for tax prep, bookkeeping, payroll, and advisory — by service and business type.
How it works
- W-2: subtract FICA (7.65%) + federal income tax, then add the benefits value.
- 1099: subtract deductible expenses, SE tax (15.3% on 92.35%), apply 20% QBI, then federal tax.
- Compare the two net numbers side-by-side.
Assumptions
- Single filer, standard deduction, 2025 brackets, federal only.
- QBI applied as a flat 20% — phaseouts above $241,950 single not modeled.
- Benefits value is treated as cash-equivalent for the W-2 side.
Frequently asked questions
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These calculators provide estimates for general planning only and are not tax, legal, or financial advice. Always verify with a licensed CPA for your specific situation.
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