Contractor Wage & Take-Home Pay Calculator
Revenue is vanity, profit is sanity, but cash in your pocket is reality. Enter your hourly or annual wage and see exactly what you take home after self-employment taxes and business costs.
Takehome Pay Pro
Are you a high-income worker or a business owner?
Many contractors pay themselves a "wage" for the hours they spend swinging a hammer, but they fail to calculate the actual profit of the business itself.
The Entrepreneur's Trap
"If your business only makes enough money to pay you what you'd earn as an employee elsewhere, you don't own a business—you own a high-stress, low-benefit job."
To build real wealth, your business profit must be separate from (and in addition to) your labor wage.
Financial Health Checklist
To maximize the numbers you see in the calculator above, focus on these three levers:
- Tax Efficiency: Are you taking advantage of S-Corp status (if US-based)?
- Overhead Control: Are you spending more than 10% of revenue on fixed costs?
- Labor Burden: Are you accurately charging for your own time?
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