1099 vs W-2:
which actually pays you more?
Per-diem / 1099 roles pay a higher rate — but you cover all the taxes. W-2 pays less per hour, but the agency splits them with you. Enter both offers and see what you actually keep.
This compares taxes only. A W-2 role usually adds benefits — health insurance, 401(k) match, PTO — worth real money on top. A 1099 role can deduct business expenses and, on travel assignments, receive tax-free stipends that don't show up as taxable income. The real winner is the whole package, not just the hourly rate.
Stop guessing. Track your real pay.
TempButton AI logs every shift, tracks your earnings across 1099 and W-2 work, and sorts your expenses for taxes — free for individual providers.
No cost. No credit card.
Estimates only — not tax advice. Federal figures use 2025 single-filer brackets and the standard deduction; state figures use approximate effective rates. Your actual taxes depend on deductions, filing status, stipends, and other income. Consult a tax professional.