US federal only • 2025 brackets • standard deduction • deterministic
1099vsW2Calc.com is a static federal-only comparison tool that estimates take-home differences between 1099 contractor income and W-2 wages using deterministic formulas.
The tool helps users compare how much gross income may remain after federal taxes under two different work classifications.
The W-2 side estimates employee federal income tax plus FICA. The 1099 side models self-employment tax using the 92.35% earnings base, the Social Security wage cap, uncapped Medicare, and the half-SE-tax deduction before federal income tax.
This version is federal-only. It does not include state taxes, business expenses, itemized deductions, benefits, credits, QBI, or employer-paid perks.
This site is part of the Calc-HQ.com financial tool network and connects with related calculators covering quarterly taxes, after-tax salary, and take-home pay planning.