Tax calculator
1099 vs W-2 Calculator
Compare a 1099 contract and a W-2 salary, with the 15.3% self-employment tax, 2026 federal brackets, state tax, and W-2 benefits.
Region figures update the tax and benefits rules below. The page itself stays the US version; the region view is interactive and not separately indexed.
Result
| 1099 contract | W-2 job | |
|---|---|---|
| Gross pay | ||
| Business expenses | ||
| Self-employment tax (15.3%) | ||
| Employee payroll tax (FICA) | ||
| Federal income tax | ||
| State tax | ||
| Take-home pay | ||
| Benefits value | ||
| Total value (take-home + benefits) | ||
| Effective hourly take-home |
How the math works
Worked example: $100/hr 1099 vs $100,000 W-2
2026 tax figures used
Sources
Official sources for the tax figures used in this calculator.
United States
United Kingdom
- GOV.UK — Income Tax rates and Personal Allowances
- GOV.UK — Self-employed National Insurance rates
- GOV.UK — Rates and thresholds for employers 2026 to 2027
Germany
- Bundesfinanzministerium — Die wichtigsten steuerlichen Änderungen 2026
- § 32a EStG — Einkommensteuertarif
France
- Service-public.fr — Micro-entreprise : cotisations sociales
- Service-public.fr — Impôt sur le revenu : barème
- URSSAF — Taux et barèmes des cotisations du secteur privé
Spain
Brazil
Related tool: Hourly Rate Calculator — work out the rate you need to charge to reach a target income.