Contractor vs W-2 Calculator

Advanced

Compare W-2 compensation with contractor earnings.

Private on your device

Your information stays on your device and is not uploaded.

Learn more about this calculator▾

Compare estimated taxes, benefits, expenses, net compensation, and a contractor break-even hourly rate.

How to use this tool

Enter a W-2 offer and realistic contractor billable hours, weeks, utilization, and expenses. Use the break-even rate as a planning reference.

A contractor rate can need to exceed a W-2 hourly equivalent to cover unpaid time, benefits, expenses, and self-employment tax.

Compares W-2 cash pay, benefits, and taxes with estimated contractor revenue, expenses, self-employment tax, and net compensation.

Results are based on the inputs you provide and may not cover every edge case. This tool is for general use and is not professional advice.

Your data stays on your device and is not uploaded.

FAQ

Is Contractor vs W-2 Calculator free?

Yes. It is free to use and you do not need to sign in or create an account.

Is my data private?

See the privacy note on this page. Many tools run on your device; some heavier file tools may use secure temporary processing when required.

Can I use Contractor vs W-2 Calculator on mobile?

Yes. Open this page on your phone or tablet, enter your inputs, and use the on-screen controls.

Page last reviewed: March 1, 2026