Python scripts
1099 vs W-2 Net Take-Home Simulator: Compare Monthly Pay After Tax
See what a contract offer is really worth against a salary: federal tax, payroll tax, self-employment tax and state tax side by side, and the 1099 amount that matches your W-2 take-home.
$29 one time · 14-day full refund · scripts and samples · download link by email
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Browse the storeWho it is for
Anyone weighing a contract against a job, and bookkeepers or advisors who field that question.
Not the right fit if
You need to know whether you're legally a contractor or employee: that depends on the facts; ask a professional.
Why it is different
- Shows both halves of payroll tax, so the contractor's real cost is visible.
- State tax is your choice: the NJ tables, or any flat rate you enter from your state's own tax department.
- Lists what it does not count (benefits, time off, unemployment coverage) next to the answer.
What is inside
- The script. Salary, contract revenue, expenses, pre-tax benefits and state in; monthly net for each side out.
- Break-even amount. Finds the contract revenue that matches the W-2 take-home.
- 2026 data file. The same sourced tax data file as the estimator.
- Example input. A made-up example to copy.
Get it
1099 vs W-2 Net Take-Home Simulator (Python)
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Uses the email and terms box above. You get the same download link by email.
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Delivered as a zip of Python scripts with sample files. Needs Python 3.8 or newer. A planning estimate, not tax, legal or accounting advice. Whether a worker is a contractor or an employee depends on the facts of the relationship. No result is promised. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
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Just this kit, or more
Membership
$29 a month
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Common questions
What do I get and how is it delivered?
The 1099 vs W-2 Simulator comes as a zip with the scripts (contractor_vs_w2.py and taxlib.py), sample files to try first and a README with the commands. The download link arrives by email after payment.
Will it run on a Mac, Windows or my phone?
It needs Python 3.8 or newer on a Mac, Windows or Linux computer, so it will not run on a phone. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund.
Is this legal or tax advice?
A planning estimate, not tax, legal or accounting advice.
Which tax year does it use?
It is set up for 2026 and uses the same sourced 2026 tax data file as the Schedule C estimator. You can edit that file yourself; updates for later years are not promised.
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