RealContractorPay
Free 1099 vs. W2 Take-Home Pay & Tax Calculator
RealContractorPay launched on August 14, 2026 with 1 votes, #11,494 of 23,274 launches that month.
What it does
Calculate your exact 1099 contractor take-home pay, self-employment taxes and compare it directly with a W2 salary offer in seconds. 100% free, fast and no sign-up required.
Instantly compare your real take-home pay as a 1099 contractor vs a W2 employee. Free calculator for self-employment tax, federal tax, state tax, and S-Corp savings — updated for the latest IRS brackets.
1099 pay looks bigger on paper. This calculator shows what actually lands in your bank account — self-employment tax, federal tax, and state tax included — side by side with an equivalent W2 salary. Estimates only, based on simplified federal brackets and flat-rate state approximations. Not tax, legal, or financial advice. Electing S-Corp status usually only pays off once your 1099 net income clears roughly $80,000 /year — below that, the extra payroll and accounting costs tend to outweigh the tax savings. At this income, splitting pay into a reasonable salary and owner distributions could reduce the payroll tax you owe versus operating as a sole proprietor. Simplified estimate using a flat…from realcontractorpay.com
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