1099 vs W-2 Benefits Gap Calculator
Itemize every W-2 benefit and see its after-tax replacement cost as a 1099 worker. Health, 401k match, PTO, sick days, disability, HSA, life — then the exact freelance rate to net the same take-home.
Target W-2 Equivalent
The salary you want to match as a 1099 worker
Filing status
W-2 Benefits to Replace
Freelance Parameters
Freelance Rate to Match This W-2
$79/hr
$142,932/yr gross
vs W-2 salary
50% premium
Gap Breakdown
W-2 pre-tax·SE deductible·Click any row for details
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