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Salary & Career
Compare employee and contractor economics using explicit effective deductions, benefits and costs.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Contractor vs Employee Calculator
Contractor modeled annual advantage
$2,450
Employee modeled value
$44,800
Contractor modeled value
$47,250
What changes this most?
The contractor day rate must cover non-billable time and business costs as well as replace employee benefits.
Sensitivity check
A roughly 10% move in contractor day rate changes the modeled headline result by up to $5,145 in this setup.
Employment status, taxes, pension, paid leave, insurance and legal obligations vary. Use explicit assumptions and professional advice where appropriate.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
Employee disposable value and contractor disposable value are compared after user-entered deductions, benefits and recurring work costs.
The contractor side multiplies day rate by billable days and subtracts business costs before applying an effective deduction rate. The employee side uses gross salary, entered benefits, an effective deduction rate and annual commute/work costs. No jurisdiction-specific tax advice is implied.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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