1099 vs W‑2 Take‑Home

US federal only • 2025 brackets • standard deduction • deterministic

FAQ

What filing status does this use?

Single filer only (v1). Standard deduction only. No itemized deductions.

Does 1099 include business expenses?

No. v1 assumes net earnings = gross. If you have deductible expenses, your real take‑home may be higher than this estimate.

Does it include state taxes?

No. Federal only.

How is self‑employment tax modeled?

SE tax uses a 92.35% earnings base. Social Security portion is capped at the 2025 wage base, and Medicare is uncapped. 50% of SE tax is deducted for income tax purposes.

Is this an official calculator?

No—this is a deterministic estimate tool. Always verify with IRS/SSA documentation or a tax professional.

Do you collect my data?

No. Calculations run locally in your browser.