Compare the money behind the offer.
A higher contract number doesn't always mean more money in your pocket. See how work costs and federal taxes change the picture.
Educational estimate only. 2026 single filer, one income, simplified federal income, Social Security and Medicare taxes. Not tax advice or a take-home forecast.
Start with real-world expenses.
Use example amounts, not personal financial details. Nothing leaves your browser.
What could be left?
After the costs above and simplified federal taxes. Your actual take-home will differ.
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Not included: state and local taxes, QBI and self-employed health deductions, pre-tax benefits, employer retirement and insurance, tax credits, itemized deductions and other income. Higher cash isn't always the better job.
Ask who pays for what.
Travel, credentials, conferences, training and equipment are handled differently from role to role.
Compare the total package.
Health coverage, retirement, paid time off and unemployment coverage matter beyond cash pay.
Classification isn't a preference.
Employee or contractor status depends on the actual working relationship, not just what the contract says.
Choose a role with your eyes open.
Use the estimate to ask better questions of employers and a tax professional, not as a paycheck forecast.
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