Part-Time vs Full-Time Calculator

Full-time work almost always pays more in total compensation because of benefits (health insurance, retirement matching, paid time off) that part-time positions rarely offer. However, the gap narrows when you factor in childcare costs, commuting, taxes at a higher marginal rate, and the value of free time. This calculator helps you compare both sides.

Part-time workers earning less total income are taxed at lower marginal rates. With the 2026 standard deduction of $16,100 (single), a part-time worker earning $25,000 pays only 10% federal tax on taxable income, while a full-time worker at $65,000 reaches the 22% bracket. However, FICA (7.65%) applies to all wages regardless of hours worked.

Part-time workers typically do not receive employer-sponsored health insurance, 401(k) matching, paid vacation, paid sick leave, life insurance or disability coverage. The value of these benefits can add 20% to 40% on top of a full-time salary. Some employers offer pro-rated benefits to part-timers working 20+ hours per week.

There is no universal federal definition. The Bureau of Labor Statistics considers part-time as fewer than 35 hours per week. The ACA defines full-time as 30 or more hours per week for employer health insurance requirements. Most employers set part-time at under 30 to 35 hours per week.

Convert both to an annual after-tax basis and add benefits value. For a full-time salary of $60,000 with $12,000 in benefits (health insurance and 401k match), total compensation is $72,000. For part-time at $22/hour for 25 hours per week, gross is $28,600 with likely no benefits. After taxes, the gap is even wider.

Social Security benefits are based on your highest 35 years of earnings. Part-time years with lower earnings reduce your average, which can lower your future benefit. However, if you already have 35 years of solid earnings, part-time work in later years may not significantly affect your benefit calculation.