有没有做HR或者会计的可以说说， 1099的100美金一个小时，相当于有福利的FULL TIME的W2多少钱一个小时？ Find your base hourly rate Divide the salary you want to make by the number of hours you expect to work in the year. For Example- If you want to make an equivalent of $120K annual salary, dividing $120,000 by 2,000 hrs/year (assuming 2 weeks or 10 days off for national holidays/personal off days) will get you to $60/hr. This isyour base hourly rate if you work as an independent contractor. Adjust higher for Independent Contractor status (1099) As Independent Contractor (1099 in freelancer vocabulary), you get the entire amount you invoice the client and no taxes are withheld (because you are supposed to self-report them). Adjust for Benefits Add $3K-16K for health insurance premiums. Single ($3K), Family ($16K) Add $12K (10%) for the extra tax you pay for self employment. This is what your employer used to pay the Government for employing you (Employer Taxes). Add $12–24K in lieu of bonus and stock options Add $7-10K for paid vacation and sick days Add for 401k matching if you used to get it. $3–6K Total benefits can be ~$50K/year (or $25/hr over 2000 hrs) Your Asking Rate goes up to $60/hr+$25/hr= $85/hr on 1099Adjust for Downtime There is always downtime in contracting, Either your choice or due to the client who may get delayed in getting approval, getting the contract signed or a background check done before you start. It can take you a month in between projects and this may happen 1–2 times a year, so to be safe, assume a 80% utilization, Adjusting- $85/hr/0.8 = $106/hr on 1099 Contracting through a Staffing Agency (W2) If you work as a contractor through a staffing agency as their salaried(w2) employee, ignore the 1099 adjustments, as the staffing agency pays the employer taxes. Start with $60/hr and Divide by the expected utilization rate No health benefits- add $3–8/hr depending on your family status No paid vacation or national holidays add $3-5/hr (hourly rate x hours in number of paid holidays you used to get) No bonus, stocks, 401K (most don’t), add $5-10/hr So around $75/hr on W2. Note: The above are cost-based calculations. To be successful as a consultant, you should charge the higher of what the market will bear or what your competitors charge. As a tip- If you quote a lower rate than the client can pay, the client will never offer to increase it. But if you ask for a higher rate, they will immediately tell you the maximum budget they have. So always quote higher! https://www.quora.com/Compensation/How-should-a-contractor-or-consultant-arrive-at-an-hourly-rate-to-cover-things-like-tax-differences-healthcare-and-other-personal-overhead-What-other-specific-factors-are-relevant-Should-it-vary-based-on-the-length-of-the-contract
考虑到1099要自己交social security还有其他的税收，很多说法是1099 要留出至少40%用于缴税，那是不是1099的100美金一个小时，相当于W2的60美金一个小时？ 加上其他的福利，估计相当于W2 的50美金一个小时？
有没有做HR或者会计的可以说说， 1099的100美金一个小时，相当于有福利的FULL TIME的W2多少钱一个小时？
Find your base hourly rate
Divide the salary you want to make by the number of hours you expect to work in the year. For Example- If you want to make an equivalent of $120K annual salary, dividing $120,000 by 2,000 hrs/year (assuming 2 weeks or 10 days off for national holidays/personal off days) will get you to $60/hr. This is your base hourly rate if you work as an independent contractor.
Adjust higher for Independent Contractor status (1099)
As Independent Contractor (1099 in freelancer vocabulary), you get the entire amount you invoice the client and no taxes are withheld (because you are supposed to self-report them).
Adjust for Benefits
Add $3K-16K for health insurance premiums. Single ($3K), Family ($16K) Add $12K (10%) for the extra tax you pay for self employment. This is what your employer used to pay the Government for employing you (Employer Taxes). Add $12–24K in lieu of bonus and stock options Add $7-10K for paid vacation and sick days Add for 401k matching if you used to get it. $3–6K Total benefits can be ~$50K/year (or $25/hr over 2000 hrs) Your Asking Rate goes up to $60/hr+$25/hr= $85/hr on 1099 Adjust for Downtime There is always downtime in contracting, Either your choice or due to the client who may get delayed in getting approval, getting the contract signed or a background check done before you start. It can take you a month in between projects and this may happen 1–2 times a year, so to be safe, assume a 80% utilization, Adjusting- $85/hr/0.8 = $106/hr on 1099
Contracting through a Staffing Agency (W2)
If you work as a contractor through a staffing agency as their salaried(w2) employee, ignore the 1099 adjustments, as the staffing agency pays the employer taxes. Start with $60/hr and
Divide by the expected utilization rate No health benefits- add $3–8/hr depending on your family status No paid vacation or national holidays add $3-5/hr (hourly rate x hours in number of paid holidays you used to get) No bonus, stocks, 401K (most don’t), add $5-10/hr
So around $75/hr on W2.
Note:
The above are cost-based calculations. To be successful as a consultant, you should charge the higher of what the market will bear or what your competitors charge.
As a tip- If you quote a lower rate than the client can pay, the client will never offer to increase it.
But if you ask for a higher rate, they will immediately tell you the maximum budget they have. So always quote higher!
https://www.quora.com/Compensation/How-should-a-contractor-or-consultant-arrive-at-an-hourly-rate-to-cover-things-like-tax-differences-healthcare-and-other-personal-overhead-What-other-specific-factors-are-relevant-Should-it-vary-based-on-the-length-of-the-contract
https://www.quora.com/If-you-made-200k-in-a-year-working-as-a-contractor-at-100-hr-what-is-an-acceptable-salary-to-convert-to-full-time
https://www.reddit.com/r/personalfinance/comments/2la073/online_calculator_to_see_w2_vs_1099_comparison/
https://www.viewthenumbers.com/w2-vs-1099
https://prounlimited.com/icn/pdf/Net-Take-Home-Pay-1099vsW2.pdf
我先谢谢了。
60？
但是自己要多交7.65%阿？
w2正好相反，钱不会多了，所以要看一天你实际要干多久。。很多低工资的号称比马工赚得多就是这个公式。。比如说“我一年10万，一天干两小时就够了，你一年40万要干一天10小时累成狗。。折算下来只是我80%工资。。”
哈哈 说得太好了 我原来上班拿W2 没有加班费 天天要加班
那里买的保险如此便宜？ 为啥我quote了一个每月1000 deductable要一万
freedom life 我不是卖保险的
搜了一下 似乎是卖人寿保险的啊
你是一天来回开180 mile，四年开废一车（200K）？
在IT里，1099 东部好像是以天为单位算的，工作量和W-2一样。
那里这么便宜的保险？美东北部我看过是近1K/月, with 7K deductable.
很正常啊
我知道这样的人有，不算正常，3 hr round trip on the train is normal, 3 hrs in a car commutting is not normal beause traffic is never reliable.
房产经纪人太正常了
是的 有时候觉得一天啥也没干 净开车了
我也不懂 卡上写的是freedom life cigna ppo 其实还不到170 你要不要shop around 看看 我们在中部