Turn a pay offer into real numbers. Compare per session pay against hourly, stack two offers side by side, or figure out what a school year contract actually means for your bank account.
These are gross estimates before taxes. Missed sessions, cancellations, and no-shows will lower your real numbers, ask about the cancellation policy before you sign anything.
These are gross estimates before taxes and before benefits are factored in.
Line up two offers side by side. Add an estimated dollar value for benefits (health insurance, PTO, retirement match) if you want a fuller picture.
Offers marked 1099 are shown here at their W2-equivalent value (adjusted down about 20%) to account for self-employment tax, so the comparison stays apples-to-apples.
1099 pay has to cover the self-employment tax and benefits a W2 job usually covers for you. This gives you a rough, honest starting point, not an exact number.
This uses a common rule of thumb that 1099 pay should run about 20 to 30 percent higher than an equivalent W2 rate, to cover self-employment tax, lost PTO, and no employer-paid benefits. Your real numbers depend on your tax bracket, deductions, and benefits package. This isn't tax advice, run your specific situation by a tax professional before making a decision.