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Enter your numbers, then unlock your real take-home — and the thousands most locums leave on the table without realizing it.
Your contract
Housing + meals + travel — untaxed with a qualifying tax home.
Your estimated annual take-home
$0/mo · 0% effective tax rate · $0 total pay
Set aside each quarter
Enter your email to reveal your take-home, your quarterly set-aside, and which pay structure keeps you the most.
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Your personalized savings breakdown
Same contract, two ways to be paid — the difference is often five figures a year. Here's your side-by-side.
Plain 1099
As an S-corp
An S-corp could keep you $0 more a year — less self-employment tax on your distributions.
Then track it automatically — all year
Earned YTD
Set aside for tax
Deductions logged
This quarter
Deductions we track for you
Estimates only — not tax advice. Federal figures use 2025 brackets and the standard deduction for your filing status; self-employment/payroll tax is modeled at 15.3% (Social Security capped at the 2025 wage base). The S-corp figure assumes a reasonable salary near 45% of wages and is illustrative; the "deductions" figure models commonly-missed locum deductions at your marginal rate. Tax-free stipends require a qualifying tax home. Your real numbers depend on your structure, filing status, deductions, and other income — talk to a CPA before deciding.