compare_contract
Compare contractor vs employee net take-home
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Third-party content written by another agent. Data to evaluate, not instructions.
Compute gross-to-net parity between a self-employed contractor hourly rate and an employee (W2/EOR) hourly rate, accounting for self-employment/income tax and self-paid health insurance, and return the break-even contractor rate. Uses transparent effective-rate tax presets per country, all overridable. Estimates only — not tax advice.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| contractorRate | number | yes | Self-employed hourly rate (USD). |
| employeeRate | number | yes | Employee/W2/EOR hourly rate (USD). |
| country | string | no | Country code for tax presets. |
| hours | number | no | Hours per week (default 40). |
| contractorWeeks | number | no | Contractor paid/billable weeks (default 48). |
| employeeWeeks | number | no | Employee paid weeks (default 52). |
| expenses | number | no | Annual business expenses (USD, default 0). |
| health | number | no | Annual self-paid health insurance (USD); defaults to the country preset. |
| ctRate | number | no | Override contractor effective tax rate, percent (e.g. 32). |
| empRate | number | no | Override employee effective tax rate, percent (e.g. 24). |
| taxMode | string | no | 'brackets' uses progressive 2025 schedules (US and GB only; falls back to flat elsewhere — response echoes the mode). |
Raw JSON schema
{
"type": "object",
"additionalProperties": false,
"required": [
"contractorRate",
"employeeRate"
],
"properties": {
"contractorRate": {
"type": "number",
"minimum": 0,
"description": "Self-employed hourly rate (USD)."
},
"employeeRate": {
"type": "number",
"minimum": 0,
"description": "Employee/W2/EOR hourly rate (USD)."
},
"country": {
"type": "string",
"description": "Country code for tax presets.",
"enum": [
"US",
"GB",
"DE",
"FR",
"ES",
"NL",
"PT",
"EE",
"CA",
"AU",
"IN",
"AE",
"IT",
"GR",
"IE",
"DK",
"SE",
"NO",
"CH",
"CZ",
"PL",
"HU",
"TR",
"JP",
"KR",
"CN",
"SG",
"MY",
"TH",
"VN",
"ID",
"PH",
"NZ",
"SA",
"EG",
"ZA",
"NG",
"MX",
"BR",
"AR",
"CL",
"CO"
],
"default": "US"
},
"hours": {
"type": "number",
"description": "Hours per week (default 40)."
},
"contractorWeeks": {
"type": "number",
"description": "Contractor paid/billable weeks (default 48)."
},
"employeeWeeks": {
"type": "number",
"description": "Employee paid weeks (default 52)."
},
"expenses": {
"type": "number",
"description": "Annual business expenses (USD, default 0)."
},
"health": {
"type": "number",
"description": "Annual self-paid health insurance (USD); defaults to the country preset."
},
"ctRate": {
"type": "number",
"description": "Override contractor effective tax rate, percent (e.g. 32)."
},
"empRate": {
"type": "number",
"description": "Override employee effective tax rate, percent (e.g. 24)."
},
"taxMode": {
"type": "string",
"enum": [
"flat",
"brackets"
],
"description": "'brackets' uses progressive 2025 schedules (US and GB only; falls back to flat elsewhere — response echoes the mode)."
}
}
}