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💻 Freelance vs Full-Time Calculator
Compare the true value of a freelance gig against a salaried job with benefits.
🚀 Launch Engine
🏢 Full-Time Details
$
%
☕ Freelance / 1099 Details
$
Hrs
Wks
$
Financial Winner
Calculating…
True Full-Time Value
0.00
Equivalent Freelance Net
0.00
Freelance Gross Breakdown
Equiv. Net
Taxes & Exp.
True Value Comparison
| Metric Breakdown | Amount |
|---|---|
| 🏢 Full-Time Base Salary | 0 |
| ➕ Estimated Value of Benefits | 0 |
| 🎯 Full-Time Total Compensation | 0 |
| 💻 Freelance Gross Income | 0 |
| ➖ Annual Business Expenses | 0 |
| ➖ Extra Self-Employment Tax Penalty (~7.65%) | 0 |
| 🎯 Freelance Equivalent Net | 0 |
✨ AI Financial Verdict
Calculating metrics…
Understanding the Comparison
Comparing hourly rates to a salary is a trap. When you go freelance, you lose employer-subsidized health insurance, paid time off, and 401k matches. We estimate this “Benefits Value” (typically 20-30% of base salary).
Furthermore, freelancers pay a Self-Employment Tax Penalty. In the US, employers pay half of your Medicare/Social Security taxes (7.65%). As a freelancer, you pay the full 15.3%. Our engine deducts that extra 7.65% penalty from your gross freelance income, along with your expenses, to find the true “Equivalent Net” to compare against a W2 job.
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