1099w2calculator.com exists because comparing a W-2 job offer to a 1099 contract offer by salary number alone is almost always misleading — self-employment tax, lost employer benefits, and no paid time off can quietly erase what looks like a higher 1099 rate.
We built this after seeing people accept contract rates that looked like a raise on paper but worked out to less real take-home pay once self-employment tax and benefits were accounted for. This calculator runs both offers through the same real math so you can compare actual take-home pay, not just headline numbers.
It's built and maintained by Officina Systems, part of the IndieOwner family of free calculators for independent creators and small business owners. No account, no spreadsheet — enter your numbers and see where you stand.
Questions or feedback about this tool? Reach us at hello@officinasystems.com.