Free 2026 calculator

W-2 → 1099 rate

Estimate the contractor annual and hourly pay needed to match a W-2 salary.

50 states

W-2 annual salary US state Business expenses / yr Self-paid health insurance / yr Billable hours / yr

Estimated break-even

1099 annual target—

1099 hourly target—

W-2 estimated take-home—

Planning estimate for the validated 2026 scope: primarily single filer, resident ordinary income, sole-proprietor 1099 path and standard deduction. Local taxes, credits and special situations can differ.