What is each offer really worth?
Put two offers side by side, W2 or 1099, hourly, per session or salary. Each one is reduced to what a year is worth and what an hour you actually work is worth, with the benefits, the tax set-aside, the unpaid minutes and the unpaid cancellations all in. Then the page solves what the weaker offer would have to pay to match the stronger one.
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Offer A
W2Type
Pay basis
Hours on the timesheet, not hours at the desk.
Notes, travel, prep, the texts. Time the offer does not pay for.
Income tax plus your half of Social Security and Medicare, off the top of each cheque.
Benefits, per year
Only what the offer letter says. Leave anything it does not promise at zero.
Offer B
1099Type
Pay basis
Booked, not held. Cancellations come off below.
Session length
Share of booked sessions that do not happen and do not pay.
Notes, travel, prep, the texts. Time the offer does not pay for.
Income tax plus both halves of Social Security and Medicare. 25 to 30% is the usual rule of thumb.
Your own costs, per year
Whatever this offer leaves you to buy yourself. Comes off before the set-aside.
Offer A: worth per hour you work
$34.29
take-home plus benefits, over every hour including the unpaid ones
- Annual gross1,440 paid hours
- $72,000
- Tax withheld20%
- − $14,400
- Take-homecash after tax
- = $57,600
- Benefitshealth, match, paid days
- + $0
- What the year is worth
- = $57,600
- Hours actually worked1,680 a year, unpaid minutes in
- 35 hrs/wk
- Gross per paid hourthe offer as an hourly
- $50.00
Offer B: worth per hour you work
$54.51
take-home, over every hour including the unpaid ones
- Annual gross1,012 held sessions
- $70,840
- Your own costsoff before the set-aside
- − $0
- Tax set-aside27%
- − $19,127
- Take-homecash after tax
- = $51,713
- What the year is worth
- = $51,713
- Hours actually worked949 a year, unpaid minutes in
- 20.6 hrs/wk
- Gross per paid hourthe offer as an hourly
- $93.33
The break-even line
Offer A would need to pay $79.49 per hour to match Offer B per hour actually worked.
That is 0.85x Offer B’s $93.33 per paid hour, with your benefits, set-asides, unpaid minutes and cancellations doing the work instead of a fixed multiplier.
It pays $50.00 per hour, so it is $20.22 per hour worked short.
The other direction
Offer B would need to pay $44.03 per session ($58.71 per paid hour) to match Offer A per hour actually worked.
That is 1.17x Offer A’s $50.00 per paid hour, with your benefits, set-asides, unpaid minutes and cancellations doing the work instead of a fixed multiplier. The usual rule of thumb says 1.25 to 1.30x; your own numbers say 1.17x.
It pays $70.00 per session, so it is ahead by $20.22 per hour worked.
How the math works
Nothing hidden. Every line is your own input; if one looks wrong for the offer in front of you, change it above.
Gross
Hourly pay times paid hours times weeks. Per-session pay times booked sessions, minus the share that cancel unpaid, times weeks. A salary is the gross as written.
Take-home
Gross, minus the costs a 1099 offer leaves to you, times one minus the set-aside. W2 pay has income tax and your half of Social Security and Medicare withheld; 1099 pay carries both halves, which is why its default set-aside sits higher.
What the year is worth
Take-home plus the benefits an offer letter actually promises: employer health contribution, retirement match, and paid days off at what a day pays. Nothing is assumed; every benefit field starts at zero.
Hours actually worked
Paid hours, plus the unpaid minutes you enter per paid hour for notes, travel and prep. For per-session offers a paid hour is a held session times its length, so unpaid cancellations shrink the paid hours and the pay together.
The break-even line
What the year is worth is a straight line in the pay amount, so the amount that makes one offer's worth per hour worked equal the other's is solved directly. The multiplier shown is that amount, as an hourly, over the other offer's gross per paid hour.
What this is not
Tax or legal advice, or a claim about what anyone else is paid. Withholding and set-aside shares are planning figures; your accountant has your real ones. Overtime, bonuses and reimbursements are not modelled.
If the answer is your own practice, Vochella runs the booking, notes and billing so the unpaid hours in this comparison shrink.
Run a full week in the income calculator