How much more could you be keeping?

Same contract, more in your pocket. Between tax-free stipends, tracked deductions, and the right pay structure, most locums leave thousands unclaimed. See your upside.

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Your agency

Hourly rate

Hours per week

Weeks per year

Tax-free stipend / week

Your take-home today (plain 1099)

$0 gross · $0/mo · 0% marginal rate

Gross pay$0

Take-home now$0

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Your unclaimed upside

You could be keeping a lot more.

Same contract — but with tax-free stipends, tracked deductions, and the right pay structure, here's what you're leaving unclaimed.

more you could be keeping / year

◆ Tax-free stipends, done right

The tax you avoid by structuring pay with a qualifying tax home.

◆ Deductions + S-corp structure

Missed write-offs, plus less self-employment tax on distributions.

Want to capture all of it?TempButton AI tracks every deduction and your set-aside, and shows whether an S-corp is worth it — free for providers.

Estimates only — not tax advice. Federal figures use 2025 single-filer brackets and the standard deduction; SE/payroll tax modeled at 15.3% (Social Security capped at the 2025 wage base). Tax-free stipends require a qualifying tax home; the S-corp figure assumes a reasonable salary near 45% of wages and is illustrative. Your real numbers depend on your situation — talk to a CPA before deciding.