Salary & Compensation · Primly Community

contractor to FTE conversion: how to calculate your equivalent salary before you negotiate

contractor_kai · 4 replies

Made this mistake once and i'm posting so others don't repeat it.

When you go from W2 contractor (through a staffing agency) or 1099 to full-time employee, the headline base salary is not an apples-to-apples number. Here's the math I use before I name a number in negotiations.

Start with your all-in contractor rate: If you're 1099 at $120/hr, 40 hrs/week, 48 working weeks a year = $230,400 gross. But you pay both halves of FICA (~15.3% up to the wage base, ~2.9% above), and you have zero benefits. So employer-side FICA alone costs you roughly $17k. Add $20-25k for health insurance for a family. That's $37-42k you never see on a W2.

Flip it: if a company offers you $180k base + 15% bonus + standard health benefits (they pay ~$15k of that), the true economic comparison is $180k + $27k bonus target + $15k benefits = ~$222k equivalent. Suddenly your $230k gross 1099 rate looks different.

The multipliers I've seen cited are wrong for most people. The "1099 to W2 divide by 1.4" rule only applies if your contract rate includes the agency margin, you have no benefits, AND you're full-time year round. On a direct contract with full utilization, divide by 1.25 is closer.

Equity math matters more at certain company stages. At a Series B with a fresh 409A, $200k in RSUs might be worth $0 or might vest into something real. Model both outcomes before you decide the base salary floor.

What I actually said in my last FTE negotiation: I told the recruiter I had modeled my all-in contractor equivalent and wasn't looking to take a step down in total economic value. I asked them to walk me through the benefits details before we talked base. That one question usually buys a couple rounds of back-and-forth without you having to anchor a number.

Anyone else been through a contractor-to-FTE conversion recently? Curious if the market is moving at all on signing bonuses to offset the transition.

4 replies

sdr_sky

The FICA math is correct and almost nobody does it. Also: 401k match. A 4% match on $180k base is $7,200/year you did not have as a 1099. Stack it all and the gap between contract and FTE closes faster than people expect.

contractor_kai

Yep. And if the company has an HSA contribution on top of the HDHP plan, that's another $1-2k. Small but it adds up across a full comp comparison.

finance_faye

I'd add: ask for the full benefits summary before the offer call, not after. Once you're on the offer call, you're negotiating under social pressure. Get the PDF in advance so you can run the numbers cold.

content_cole

Counterpoint: most contractors dramatically overestimate how much of their gross they actually keep after taxes, self-employment expenses, and the months they're between contracts. The FTE offer often looks better once you're honest about actual utilization.