You got a comp offer. What do you actually keep?
A split or a salary, W-2 or 1099: the number in the offer isn't the number you take home. Paste yours and see what's actually left after taxes, and how the same pay would land the other way.
Comp terms only. Nothing you type is stored or sent anywhere; it all stays in your browser.
- Employment type: W-2
We didn’t catch these lines: $96 · 000 salary. Adjust the inputs below to reflect them. We never guess a field we couldn’t read.
On a $96,000 W-2 salary, you keep about $76,366 after taxes — 80% of the offer, or $6,364 a month.
Taxed as a 1099 contractor, the same $96,000 would net you $71,638 — $4,728 less, because a contractor pays both halves of Social Security and Medicare. A fair 1099 offer usually pays more to make up for it, so weigh the real dollars in each offer, not just the label.
A rough estimate on 2026 figures. It leaves out the QBI deduction, retirement deferrals, and credits, so it runs a little high — treat it as a floor on what you keep. Not tax advice; confirm with your CPA. Nothing you enter leaves your browser.
Run a practice, or thinking about starting one? The same offer looks different from the other side of the table — what a hire actually costs you, fully loaded.
See it from the practice’s side → Offer Autopsy