curl --request POST \
--url https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"filingStatus": "single",
"annualGrossIncome": "75000",
"stateTaxRate": "0",
"employerHealthInsurance": "500",
"employer401kMatch": "3",
"otherW2Benefits": "2000",
"healthInsuranceCost": "600",
"retirementContributions": "6000",
"businessExpenses": "5000",
"homeOfficeDeduction": "1500"
}
'import requests
url = "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator"
payload = {
"filingStatus": "single",
"annualGrossIncome": "75000",
"stateTaxRate": "0",
"employerHealthInsurance": "500",
"employer401kMatch": "3",
"otherW2Benefits": "2000",
"healthInsuranceCost": "600",
"retirementContributions": "6000",
"businessExpenses": "5000",
"homeOfficeDeduction": "1500"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
filingStatus: 'single',
annualGrossIncome: '75000',
stateTaxRate: '0',
employerHealthInsurance: '500',
employer401kMatch: '3',
otherW2Benefits: '2000',
healthInsuranceCost: '600',
retirementContributions: '6000',
businessExpenses: '5000',
homeOfficeDeduction: '1500'
})
};
fetch('https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'filingStatus' => 'single',
'annualGrossIncome' => '75000',
'stateTaxRate' => '0',
'employerHealthInsurance' => '500',
'employer401kMatch' => '3',
'otherW2Benefits' => '2000',
'healthInsuranceCost' => '600',
'retirementContributions' => '6000',
'businessExpenses' => '5000',
'homeOfficeDeduction' => '1500'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator"
payload := strings.NewReader("{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}"
response = http.request(request)
puts response.read_body{
"tool": "1099-vs-w2-income-comparison-calculator",
"tool_version": "1.0.1",
"outputs": {
"comparisonTable": [
{
"item": "Gross Income",
"w2-employee": "$75,000",
"1099-contractor": "$75,000"
},
{
"item": "Federal Income Tax",
"w2-employee": "-$8,114",
"1099-contractor": "-$4,017"
},
{
"item": "State Income Tax",
"w2-employee": "-$0",
"1099-contractor": "-$0"
},
{
"item": "Social Security Tax",
"w2-employee": "-$4,650",
"1099-contractor": "-$7,844"
},
{
"item": "Medicare Tax",
"w2-employee": "-$1,088",
"1099-contractor": "-$1,835"
},
{
"item": "SE Tax Deduction (Above-the-Line)",
"w2-employee": "N/A",
"1099-contractor": "$4,839"
},
{
"item": "Health Insurance",
"w2-employee": "+$6,000/yr (employer)",
"1099-contractor": "-$7,200/yr"
},
{
"item": "Retirement",
"w2-employee": "+$2,250 (match)",
"1099-contractor": "-$6,000"
},
{
"item": "Other Benefits",
"w2-employee": "+$2,000",
"1099-contractor": "N/A"
},
{
"item": "Business Expenses",
"w2-employee": "N/A",
"1099-contractor": "-$6,500"
},
{
"item": "Total Take-Home Pay",
"w2-employee": "$61,149",
"1099-contractor": "$41,604"
},
{
"item": "Effective Tax Rate",
"w2-employee": "18.5%",
"1099-contractor": "18.3%"
},
{
"item": "True Hourly Rate (2,080 hrs/yr)",
"w2-employee": "$29.40/hr",
"1099-contractor": "$20.00/hr"
},
{
"item": "Total Value (incl. Benefits)",
"w2-employee": "$71,399",
"1099-contractor": "$41,604"
}
],
"summary": "W2 employment yields $19,544 more in annual take-home pay. When including employer benefits (health insurance, 401k match, and other benefits worth $10,250), the W2 total compensation advantage is significant."
},
"credits_used": 3,
"credits_remaining": null
}{
"type": "https://iotools.cloud/docs/errors/validation_error",
"title": "Invalid request",
"status": 400,
"code": "validation_error",
"detail": "One or more inputs are invalid — see `fields`.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"fields": {
"inputString": "Required"
}
}{
"type": "https://iotools.cloud/docs/errors/invalid_api_key",
"title": "Invalid API key",
"status": 401,
"code": "invalid_api_key",
"detail": "Provide 'Authorization: Bearer <key>'.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/insufficient_credits",
"title": "Insufficient credits",
"status": 402,
"code": "insufficient_credits",
"detail": "This call costs 1 credit and 0 remain in this month's allowance.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"credits_used": 0,
"credits_remaining": 0
}{
"type": "https://iotools.cloud/docs/errors/tool_not_allowed",
"title": "Tool not available over the API",
"status": 403,
"code": "tool_not_allowed",
"detail": "\"Background Remover\" is available on iotools.cloud but has no API endpoint.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/tool_not_found",
"title": "Tool not found",
"status": 404,
"code": "tool_not_found",
"detail": "No tool with that slug. See GET /v1/tools/list.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/payload_too_large",
"title": "Payload too large",
"status": 413,
"code": "payload_too_large",
"detail": "Request body exceeds this tool's size limit.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/rate_limited",
"title": "Rate limit exceeded",
"status": 429,
"code": "rate_limited",
"detail": "Too many requests. Retry in 30s.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"retry_after": 30
}{
"type": "https://iotools.cloud/docs/errors/processing_error",
"title": "Tool failed to run",
"status": 500,
"code": "processing_error",
"detail": "The tool failed to run. Please try again.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"credits_used": 0
}{
"type": "https://iotools.cloud/docs/errors/tool_disabled",
"title": "Tool temporarily disabled",
"status": 503,
"code": "tool_disabled",
"detail": "This tool is temporarily unavailable. Try again shortly.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}1099 vs W2 Income Comparison Calculator
Compare annual take-home pay as a W2 employee vs a 1099 independent contractor for the same gross income — federal tax, self-employment tax, FICA, state tax, retirement, health insurance and business expenses, side by side.
Try 1099 vs W2 Income Comparison Calculator in your browser →
curl --request POST \
--url https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"filingStatus": "single",
"annualGrossIncome": "75000",
"stateTaxRate": "0",
"employerHealthInsurance": "500",
"employer401kMatch": "3",
"otherW2Benefits": "2000",
"healthInsuranceCost": "600",
"retirementContributions": "6000",
"businessExpenses": "5000",
"homeOfficeDeduction": "1500"
}
'import requests
url = "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator"
payload = {
"filingStatus": "single",
"annualGrossIncome": "75000",
"stateTaxRate": "0",
"employerHealthInsurance": "500",
"employer401kMatch": "3",
"otherW2Benefits": "2000",
"healthInsuranceCost": "600",
"retirementContributions": "6000",
"businessExpenses": "5000",
"homeOfficeDeduction": "1500"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
filingStatus: 'single',
annualGrossIncome: '75000',
stateTaxRate: '0',
employerHealthInsurance: '500',
employer401kMatch: '3',
otherW2Benefits: '2000',
healthInsuranceCost: '600',
retirementContributions: '6000',
businessExpenses: '5000',
homeOfficeDeduction: '1500'
})
};
fetch('https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'filingStatus' => 'single',
'annualGrossIncome' => '75000',
'stateTaxRate' => '0',
'employerHealthInsurance' => '500',
'employer401kMatch' => '3',
'otherW2Benefits' => '2000',
'healthInsuranceCost' => '600',
'retirementContributions' => '6000',
'businessExpenses' => '5000',
'homeOfficeDeduction' => '1500'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator"
payload := strings.NewReader("{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.iotools.cloud/v1/tool/1099-vs-w2-income-comparison-calculator")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"filingStatus\": \"single\",\n \"annualGrossIncome\": \"75000\",\n \"stateTaxRate\": \"0\",\n \"employerHealthInsurance\": \"500\",\n \"employer401kMatch\": \"3\",\n \"otherW2Benefits\": \"2000\",\n \"healthInsuranceCost\": \"600\",\n \"retirementContributions\": \"6000\",\n \"businessExpenses\": \"5000\",\n \"homeOfficeDeduction\": \"1500\"\n}"
response = http.request(request)
puts response.read_body{
"tool": "1099-vs-w2-income-comparison-calculator",
"tool_version": "1.0.1",
"outputs": {
"comparisonTable": [
{
"item": "Gross Income",
"w2-employee": "$75,000",
"1099-contractor": "$75,000"
},
{
"item": "Federal Income Tax",
"w2-employee": "-$8,114",
"1099-contractor": "-$4,017"
},
{
"item": "State Income Tax",
"w2-employee": "-$0",
"1099-contractor": "-$0"
},
{
"item": "Social Security Tax",
"w2-employee": "-$4,650",
"1099-contractor": "-$7,844"
},
{
"item": "Medicare Tax",
"w2-employee": "-$1,088",
"1099-contractor": "-$1,835"
},
{
"item": "SE Tax Deduction (Above-the-Line)",
"w2-employee": "N/A",
"1099-contractor": "$4,839"
},
{
"item": "Health Insurance",
"w2-employee": "+$6,000/yr (employer)",
"1099-contractor": "-$7,200/yr"
},
{
"item": "Retirement",
"w2-employee": "+$2,250 (match)",
"1099-contractor": "-$6,000"
},
{
"item": "Other Benefits",
"w2-employee": "+$2,000",
"1099-contractor": "N/A"
},
{
"item": "Business Expenses",
"w2-employee": "N/A",
"1099-contractor": "-$6,500"
},
{
"item": "Total Take-Home Pay",
"w2-employee": "$61,149",
"1099-contractor": "$41,604"
},
{
"item": "Effective Tax Rate",
"w2-employee": "18.5%",
"1099-contractor": "18.3%"
},
{
"item": "True Hourly Rate (2,080 hrs/yr)",
"w2-employee": "$29.40/hr",
"1099-contractor": "$20.00/hr"
},
{
"item": "Total Value (incl. Benefits)",
"w2-employee": "$71,399",
"1099-contractor": "$41,604"
}
],
"summary": "W2 employment yields $19,544 more in annual take-home pay. When including employer benefits (health insurance, 401k match, and other benefits worth $10,250), the W2 total compensation advantage is significant."
},
"credits_used": 3,
"credits_remaining": null
}{
"type": "https://iotools.cloud/docs/errors/validation_error",
"title": "Invalid request",
"status": 400,
"code": "validation_error",
"detail": "One or more inputs are invalid — see `fields`.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"fields": {
"inputString": "Required"
}
}{
"type": "https://iotools.cloud/docs/errors/invalid_api_key",
"title": "Invalid API key",
"status": 401,
"code": "invalid_api_key",
"detail": "Provide 'Authorization: Bearer <key>'.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/insufficient_credits",
"title": "Insufficient credits",
"status": 402,
"code": "insufficient_credits",
"detail": "This call costs 1 credit and 0 remain in this month's allowance.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"credits_used": 0,
"credits_remaining": 0
}{
"type": "https://iotools.cloud/docs/errors/tool_not_allowed",
"title": "Tool not available over the API",
"status": 403,
"code": "tool_not_allowed",
"detail": "\"Background Remover\" is available on iotools.cloud but has no API endpoint.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/tool_not_found",
"title": "Tool not found",
"status": 404,
"code": "tool_not_found",
"detail": "No tool with that slug. See GET /v1/tools/list.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/payload_too_large",
"title": "Payload too large",
"status": 413,
"code": "payload_too_large",
"detail": "Request body exceeds this tool's size limit.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}{
"type": "https://iotools.cloud/docs/errors/rate_limited",
"title": "Rate limit exceeded",
"status": 429,
"code": "rate_limited",
"detail": "Too many requests. Retry in 30s.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"retry_after": 30
}{
"type": "https://iotools.cloud/docs/errors/processing_error",
"title": "Tool failed to run",
"status": 500,
"code": "processing_error",
"detail": "The tool failed to run. Please try again.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11",
"credits_used": 0
}{
"type": "https://iotools.cloud/docs/errors/tool_disabled",
"title": "Tool temporarily disabled",
"status": 503,
"code": "tool_disabled",
"detail": "This tool is temporarily unavailable. Try again shortly.",
"request_id": "e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11"
}Authorizations
Bearer authentication header of the form Bearer <token>, where <token> is your auth token.
Body
Annual Gross Income ($)
0 <= x <= 99999999Filing Status
single, mfj, mfs, hoh State Tax Rate (%)
0 <= x <= 15Employer Health Insurance ($/month)
0 <= x <= 99999Employer 401k Match (%)
0 <= x <= 100Other W2 Benefits ($/year)
0 <= x <= 999999Health Insurance Cost ($/month)
0 <= x <= 99999Retirement Contributions ($/year)
0 <= x <= 999999Business Expenses ($/year)
0 <= x <= 999999Home Office Deduction ($/year)
0 <= x <= 999999Response
Tool output
Show child attributes
Show child attributes
The tool's slug, echoing the {slug} in the request path.
Output-contract version for this tool.
Credits this call consumed, after any settlement refund. 0 when metering is disabled.
Credits left in the current monthly allowance, or null when metering is disabled.
Correlation id, also sent as x-request-id.
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