Enter both offers
Every field starts blank. Type the figures from your own written offers; empty fields count as zero. Nothing you type leaves your browser.
W2 offer
Locums offer
W2 annual total: —
Paid time off entered: —
Locums gross: —
Locums annual total after the costs you entered: —
Difference (locums minus W2): —
Not tax advice; ask a CPA about 1099 and self-employment tax. This page does not estimate taxes; it only adds and subtracts the numbers you enter.
How the arithmetic works
- W2 annual total = base salary + bonus + benefits value + retirement match.
- Locums gross = hourly rate × hours per week × weeks worked.
- Locums annual total = locums gross − unpaid benefits and malpractice cost − travel and lodging.
- Difference = locums annual total − W2 annual total.
- Paid time off days are shown for your comparison and are not converted to dollars, because the value of a day depends on your own terms.
What to check in each offer
- Whether the W2 benefits value is what the employer pays or what you would otherwise pay yourself.
- Who pays for malpractice coverage on the locums assignment, including tail coverage.
- Which travel, lodging and licensing costs the locums offer reimburses in writing.
- Guaranteed hours versus scheduled hours, and cancellation terms.
Frequently asked questions
Does this calculator estimate taxes?
No. It only adds and subtracts the figures you type. Not tax advice; ask a CPA about 1099 and self-employment tax.
Why are there no default numbers?
Every offer is different. The calculator uses only what you enter from your own written offers.
How is the locums gross calculated?
Hourly rate multiplied by hours per week and weeks worked, using your inputs.
Why aren't paid time off days converted to dollars?
The value of a day off depends on your own terms, so the days are shown alongside the totals rather than priced.
Is anything I type saved or sent?
No. The inputs stay in your browser and are not submitted.
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