What this calculator measures
Compare all-in cost for the same gross compensation before you issue an offer letter or 1099 agreement.
Who it is for
Group practice owners, nurse-led operators, and administrators scaling headcount.
Primary audience: Practice administrators hiring clinicians or nurses
Methodology
Employee = pay + employer taxes + benefits; Contractor = pay + admin fee %.
- Contractor fee covers scheduling and compliance admin only.
- Misclassification risk is not modeled.
Worked example
$80,000 pay → employee ≈ $96,400 loaded vs. contractor ≈ $88,000 with 10% admin fee.
How to interpret results
Lower contractor cash cost may not justify classification risk — confirm with employment counsel.
Limitations
- Does not include workers comp variance by state.
- Not legal classification advice.
FAQ
- Does this tell me how to classify someone?
- No. Use this for cost comparison only; classification depends on control, integration, and state rules.
Related calculators
Next step
Ready to operationalize compliance and practice workflows? Apply as a Founding Practice after you understand your numbers.
Reviewed by ClinicWarden product team · Updated July 2026 · Educational only