Travel Contract Pay Estimator
Model a full contract including overtime, callback and guaranteed hours.
Model the whole contract
What the contract really pays
| Contract line | Amount |
|---|---|
| Take-home on the scheduled package (13 × $2,197.83) | $28,571.79 |
| Estimated contract take-home | $28,571.79 |
The clauses that decide what you keep
A quoted weekly rate assumes a perfect schedule: every shift worked, every guaranteed hour honoured, no cancellations. Contracts rarely run that way, and the clauses governing what happens when they do not are where the real variance lives.
Guaranteed hours
A guarantee of 36 hours means the facility owes you 36 hours of pay whether or not it has 36 hours of work. Without one, a low-census week is simply an unpaid week. Confirm the guarantee is in the contract rather than the job advert, and check whether it is per week or averaged across the assignment — averaged guarantees let a facility cancel heavily one week and make it up with overtime later, which is not the same thing at all.
Missed shifts and stipend proration
Most agencies prorate stipends when you miss a shift. Because the stipend is the untaxed part of the package, losing a slice of it costs more per hour than losing hourly pay does. On the scenario above, one missed 12-hour shift costs roughly $800 — and only part of that is the hourly. Ask specifically whether stipends are prorated for facility cancellations as well as for personal call-outs; the two are often treated differently.
Overtime and callback
Overtime is paid on the taxable hourly rate, not the blended rate — so on a stipend-weighted package, time and a half is one and a half times a deliberately small number. That is a genuine argument for a higher taxable rate even though it nets less week to week. Callback is usually also based on the taxable rate, and is taxed as ordinary wages.
Travel and licensure
Travel reimbursements are commonly paid as a lump sum at the start or split between the first and last cheque, and are non-taxable when they qualify as accountable-plan reimbursements. Licence and certification reimbursements work the same way. None of it is guaranteed if you terminate early — check the clawback terms, which frequently make an early exit far more expensive than the lost weeks alone.
Common questions
What are guaranteed hours in a travel contract?
A commitment that the facility will pay you for a set number of hours per week whether or not it has that much work. Without a guarantee, a low-census week is an unpaid week. Check the guarantee is in the contract itself and whether it applies weekly or is averaged across the assignment.
What happens to my stipend if I miss a shift?
Most agencies prorate it. Because the stipend is the untaxed part of your package, losing a slice of it costs more per hour than losing hourly pay. Ask specifically whether stipends are prorated for facility cancellations as well as personal call-outs — the two are often treated differently.
How is travel nurse overtime calculated?
On the taxable hourly rate, not the blended rate. If your package is stipend-weighted, your taxable rate is deliberately low and overtime is worth correspondingly less. Any shift differentials you earn should be included in the regular rate for overtime purposes.
Is travel reimbursement taxable?
Not when it qualifies as an accountable-plan reimbursement, which most agency travel and licensure reimbursements do. It is usually paid as a lump sum at the start or split between the first and last cheque, and it is commonly clawed back if you terminate the contract early.
What is callback pay?
Pay for being called back to the unit outside your scheduled shift, usually at one and a half times your taxable hourly rate. It is ordinary taxable wages. Contracts differ on whether callback counts towards guaranteed hours, which is worth clarifying before you sign.
Sources & limits
Base pay is computed by the shared engine from published 2026 federal, FICA and Texas tables. Contract adjustments are applied on top: callback at 1.5× the taxable hourly rate, missed shifts costing both the hourly and a prorated share of that week's stipend, and travel reimbursement treated as non-taxable. Overtime is inside the base calculation.
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