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 equal 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, Medicare is uncapped, and 50% of SE tax is deducted for income tax purposes.

Does the W-2 side include FICA?

Yes. The W-2 estimate includes employee-side Social Security and Medicare taxes under the configured federal assumptions.

Does this include benefits?

No. Health insurance, retirement matching, PTO, and employer benefits are not included.

Do you collect my data?

No. Calculations run locally in your browser.

Is this an official calculator?

No. This is a deterministic estimate tool. Always verify with official sources or a tax professional.