Find the 1099 vs W-2 scenario that matches your decision.

Progressive 2026 state tax plus contractor break-even.

No individual state income tax; federal and contractor costs still matter.

No individual state income tax with a full take-home comparison.

Progressive New York State tax and 1099 break-even.

Progressive state-tax context for contractor decisions.

Flat state-tax structure with local-tax scope called out separately.

Flat state-tax context plus realistic contractor overhead and billable time.

Georgia tax context with annual and hourly contractor break-even.

Flat state-tax structure with take-home and billable-hours comparison.

State-tax and high-income surtax context plus contractor classification caution.

Flat-rate state context plus contractor break-even.

No broad individual income tax, but contractor costs still matter.

Michigan tax context with annual and hourly break-even.

2026 state structure with local-tax scope clearly separated.

Federal-taxable-income linkage and state modification context.

Graduated state-tax context for employee vs contractor pay.

Annual and hourly contractor break-even from an $80,000 salary.

Compare a $100,000 W-2 baseline with your contractor offer.

Model taxes, contractor costs and billable-hours sensitivity.

Calculate the contractor financial floor for a $150,000 salary.

Enter any salary, state, expenses, insurance and billable hours.

Return to the main decision calculator and compare your exact offer.