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Commerce · August 24, 2026

Analyze My Income

Know what a 1099 offer is really worth

What it does

Compare W-2 and 1099 take-home pay side by side. See which offer pays more after tax and the contractor rate needed to match your W-2 salary.

Analyze My Income is a free 2026 W-2 vs 1099 calculator suite for comparing job offers, finding contractor rates, estimating 1099 taxes and planning self-employed income.

Enter the W-2 salary, the 1099 offer and your state. We show the better offer and the contractor pay needed to match the W-2 job. Analyze My Income is a free calculator suite for comparing W-2 and 1099 pay, finding contractor rates and estimating self-employed taxes. Current assumptions: $0 business costs , $0 health insurance , 2,000 billable hours . Minimum modeled annual 1099 pay needed to match the W-2 take-home. Add bonus, employer benefits, PTO, downtime and your own risk margin only if you need a deeper negotiation target. The calculator leads with the decision. These are the three numbers that matter most and what each one actually means. The green or red answer compares the modeled…from analyzemyincome.com

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