Offer decision
Which pays more: W-2 or 1099?
Enter both offers and your state. Get a direct verdict plus the 1099 pay needed to match the W-2 job.
Compare offers → Contractor rateWhat 1099 rate replaces my salary?
Enter a W-2 salary and state. Get the annual contractor break-even and hourly target without entering a current 1099 offer.
Find my 1099 rate → 1099 taxesHow much tax should I expect?
Start with 1099 income and state. Add expenses, health insurance or W-2 income only if they apply.
Estimate 1099 taxes → SE taxWhat is my self-employment tax?
Estimate the Social Security and Medicare tax generated by your modeled net business profit.
Calculate self-employment tax → Quarterly paymentsWhat should I pay next?
Get a simple federal quarterly-payment estimate first, then open safe-harbor details only if needed.
Plan quarterly taxes → Tax reserveWhat percentage should I set aside?
Replace a generic “save 30%” rule with a scenario-specific tax reserve estimate using the 2026 model.
Calculate tax set-aside →Simple by default. The main tools start with only the information needed for a useful first answer. Business costs, health insurance, W-2 withholding, safe-harbor inputs, benefits, PTO and risk assumptions stay behind optional controls until you choose to add them.