An $80,000 W-2, single, leaves $65,110.00 after employee payroll tax and income tax. The same $80,000 as 1099 profit leaves $63,352.54. The headline is the 1099 profit whose take-home matches the W-2, plus any benefit dollars you type.
1099 profit that matches
$82,283.94
A 1099 of $82,283.94 matches that take-home.
How the total splits
Benefits are the amounts you entered. No average premium is assumed.
| W-2 take-home | $65,110.00 |
|---|---|
| W-2 federal tax | $14,890.00 |
| 1099 take-home on the same gross | $63,352.54 |
| 1099 federal tax on the same gross | $16,647.46 |
| Benefits you entered | $0.00 |
| 1099 profit that matches | $82,283.94 |
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Match = smallest 1099 profit whose profit minus federal tax equals W-2 take-home plus the benefits you entered.
The W-2 side subtracts employee Social Security (6.2% up to the wage base), employee Medicare (1.45%), Additional Medicare Tax when wages cross the threshold, and income tax after the standard deduction. It does not subtract the employer half. That half is not part of your paycheck.
The 1099 side uses the same engine as the homepage: both halves of self-employment tax, the deductible half, the standard deduction, and simplified QBI. Health insurance, a retirement match, and other benefits are only the dollars you type. This page does not insert an average premium.
| W-2 take-home | $65,110.00 |
|---|---|
| 1099 take-home on $80,000 | $63,352.54 |
| 1099 profit that matches | $82,283.94 |
| Benefits entered | $9,000.00 |
|---|---|
| 1099 profit that matches | $94,928.42 |
A W-2 employee pays 7.65% payroll tax. A sole proprietor pays both halves, 15.3% of 92.35% of profit, and then income tax on what remains. The deductible half and QBI narrow the gap. They do not erase it.
Not for take-home. The employer half never lands in the paycheck. It does matter to the employer. If you are pricing a contract against a salary the company pays, the headline already grosses the 1099 up so your take-home matches.
Type the annual dollars. The match is not a 2026 contribution limit, and the health line is not an average premium. Leave a line at zero when the job does not pay it. The 1099 profit then only has to replace the paycheck.