Gini Loh System Tools

Vertical 01 of 06

Career Equity & Compensation

What is my labor and equity actually worth after taxes and friction?

The core problem

Offers are compared on gross numbers. The decision that matters is net yield after self-employment tax, benefits, retirement caps, commute and admin hours, and the cliff forfeiture you take by leaving. Two offers that differ by $40k of headline comp can invert once those are priced.

What this vertical answers

  • 01

    W-2 vs. 1099 vs. S-Corp

    SE tax, the QBI deduction, Solo 401(k) capacity and compliance overhead — modelled as three net yields, not three gross incomes.

  • 02

    Offer engineering and cliff forfeiture

    The cost of walking away from unvested equity, and what a counter-offer has to clear to be worth the reset.

  • 03

    True hourly yield

    Commute, on-call and admin time divided into net pay. A $220k salary at 55 hours is a different job from $200k at 40.

Flagship engine

W-2 vs. 1099 / S-Corp Net Yield Calculator

2026 IRS statutory model comparing W-2 salary against 1099 Sole Prop and S-Corp entity structures. Models SE tax arbitrage, Solo 401(k) caps, and QBI deductions.

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