Contractor vs Employee Calculator

Compare the all-in annual cost of a 1099 contractor at an hourly rate vs a W-2 employee at a base salary, accounting for taxes, benefits, and overhead differences.

Contractor (1099)

No benefits, no employer taxes

Hourly Rate ($)

Hours per Week

Weeks per Year

Agency / Sourcing Fee ($)

Employee (W-2)

Includes full employer burden

Base Salary ($/yr)

Employer Payroll Tax (%)

Health + Dental ($/mo)

401k Match + Other Benefits ($/yr)

Equipment + Office + Overhead ($/yr)

Contractor Annual Cost

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Employee Annual Cost

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Enter numbers to compare.