W2 vs 1099 Calculator for Healthcare Workers
For Nurses, Physicians, Therapists, Medical Coders — 2026
Healthcare Contractor Context
Common healthcare roles that go 1099: Nurses, Physicians, Therapists, Medical Coders. Use the calculator to see whether W2 or 1099 pays more in your state.
W2 vs 1099 Take-Home Calculator
All 50 states · Federal + State + SE Tax · 2026 tax brackets
Income & Location
W2 Benefits (Annual Value)
Should Healthcare Workers Be W2 or 1099?
Many healthcare professionals work both as W2 employees and 1099 contractors at different stages of their careers. The right choice depends on your income level, expenses, state taxes, and need for benefits. Our calculator shows you the exact take-home difference for your situation.
As a rule of thumb, healthcare contractors should charge at least 25-30% more than an equivalent W2 salary to break even after accounting for self-employment taxes and the cost of benefits.