--- title: "1099 vs W-2 Take-Home Simulator (Python Script) | MCC" description: "A Python script that compares monthly take-home as a W-2 employee and as a 1099 contractor for 2026, with an optional New Jersey or flat-rate state tax." url: "https://mcc-solutionsnj.com/toolkits/contractor-vs-w2-simulator" --- Python scripts # 1099 vs W-2 Net Take-Home Simulator: Compare Monthly Pay After Tax See what a contract offer is really worth against a salary: federal tax, payroll tax, self-employment tax and state tax side by side, and the 1099 amount that matches your W-2 take-home. **$29** one time · 14-day full refund · scripts and samples · download link by email Buy now, $29 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for Anyone weighing a contract against a job, and bookkeepers or advisors who field that question. Not the right fit if You need to know whether you're legally a contractor or employee: that depends on the facts; ask a professional. Why it is different - Shows both halves of payroll tax, so the contractor's real cost is visible. - State tax is your choice: the NJ tables, or any flat rate you enter from your state's own tax department. - Lists what it does not count (benefits, time off, unemployment coverage) next to the answer. What is inside - **The script.** Salary, contract revenue, expenses, pre-tax benefits and state in; monthly net for each side out. - **Break-even amount.** Finds the contract revenue that matches the W-2 take-home. - **2026 data file.** The same sourced tax data file as the estimator. - **Example input.** A made-up example to copy. Get it ## 1099 vs W-2 Net Take-Home Simulator (Python) Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=contractor-vs-w2-simulator) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. Delivered as a zip of Python scripts with sample files. Needs Python 3.8 or newer. A planning estimate, not tax, legal or accounting advice. Whether a worker is a contractor or an employee depends on the facts of the relationship. No result is promised. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right. Ways to get it ## Just this kit, or more This kit **$29 one time** 1099 vs W-2 Simulator. Buy this kit The set **$99 one time** 4 kits including this one, $47 less than buying them separately. [See the set](/toolkits/solopreneur-money-toolkit) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The 1099 vs W-2 Simulator comes as a zip with the scripts (contractor_vs_w2.py and taxlib.py), sample files to try first and a README with the commands. The download link arrives by email after payment. **Will it run on a Mac, Windows or my phone?** It needs Python 3.8 or newer on a Mac, Windows or Linux computer, so it will not run on a phone. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** A planning estimate, not tax, legal or accounting advice. **Which tax year does it use?** It is set up for 2026 and uses the same sourced 2026 tax data file as the Schedule C estimator. You can edit that file yourself; updates for later years are not promised. Buy it with the others [Bundle ### Solopreneur Money Toolkit This product plus 3 more, in one download. $99 instead of $146 separately](/toolkits/solopreneur-money-toolkit)[### Month-End Close Workbook A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock. $19](/toolkits/month-end-close-workbook) ## More bookkeeping and business toolkits - [13-Week Cash Flow Forecast](/toolkits/cash-flow-forecast-13-week) $29 - [2026 Form 1040 & Schedule C Estimator (Python)](/toolkits/schedule-c-tax-estimator) $39 - [2027 Payroll Rate Change Checklist](/toolkits/payroll-rate-change-checklist-2027) $15 - [2027 Payroll Tax Setup Checklist](/toolkits/payroll-tax-setup-checklist-2027) $15 - [Accounting and Bookkeeping Resume Template Pack](/toolkits/accounting-bookkeeping-resume-template-pack) $15 - [Accounting Student Study Workbook](/toolkits/accounting-student-study-workbook) $19 [See every toolkit and document pack](/toolkits/all) ## Rather have someone do the books? [Get a Bookkeeping Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)