1099 vs W2 Calculator
1099 vs. W-2 CRNA Income Comparison
Enter your details for each column. Values update automatically.
Income
W-2 IncomeW-2
1099 Income1099
PTO and holidays assumed to be 0 for 1099.
Expenses
W-2 ExpensesW-2
Calculated using employee Social Security rates on your W-2 income.
Calculated using employee Medicare rates on your W-2 income.
1099 Expenses1099
Calculated based on an assumed salary of $150,000 for self-employed CRNAs.
Calculated based on an assumed salary of $150,000 for self-employed CRNAs.
Benefits
W-2 BenefitsW-2
Auto-calculated from your W-2 total compensation and employer match %.
1099 Benefits1099
If left blank, this calculator assumes $30,000 of annual business write-offs.
Auto-calculated as your business write-offs × 24% effective tax rate.
If left blank, this calculator assumes a $10,000 QBI benefit.
2026 Inputs (Reference)
401(k) Employee Limit: $24,500
401(k) EE Catch-up (50–59, 64+): $8,000
401(k) EE Catch-up (60–63): $11,250
Employee + Employer 401(k) Limit: $72,000 / $80,000 /
$83,250
QBI Deduction: 20%
Effective Tax Rate: 24%
Social Security Wage Base: $184,500
Medicare Wage Base: No Limit
1099 vs. W-2 CRNA Income Comparison Summary
Assumptions: 1099 Social Security and Medicare taxes are calculated based on an assumed salary of $150,000 for self-employed CRNAs. If you leave Business Write-offs or QBI blank, the calculator assumes $30,000 of annual business write-offs and a $10,000 QBI benefit.
| Item | W-2 | 1099 |
|---|---|---|
| Annual Gross Income | $0 | $0 |
| Annual Gross Costs | $0 | $22,950 |
| Annual Net Income | $0 | -$22,950 |
| Annual Gross Benefit Value | $0 | $17,200 |
| Total Value (Net Income + Benefits) | $0 | -$5,750 |
| 1099 to W-2 Net Income Difference | -$5,750 | |
Disclosure:
This tool is used for marketing and lead generation purposes. These W-2/1099 comparison calculations are based on user-provided inputs and are provided for general informational purposes only. This calculator does not provide, and should not be relied upon as, tax, financial, or other professional advice or recommendations. No guarantees are made regarding accuracy or outcomes. Please consult your accountant or financial professional regarding your specific circumstances.