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What are you really making on this contract?

Recruiters quote the blended rate. Enter the real numbers and see your effective hourly, your taxable-vs-stipend split, the clauses worth pushing back on, and the exact questions to ask before you sign.

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Your effective (blended) rate
$0/hr
This is the number to compare across offers — not the taxable rate on the paperwork.
Weekly gross
$0
Est. weekly take-home (~20.6% on taxable base)
$0
Overtime rate (on taxable base)
$0/hr
Contract total (take-home · 13 wks)
$0
Annualized (gross · ~48 wks)
$0
Taxable $0/wkStipend $0/wk
Taxable 0%Non-taxable stipend 0%

The numbers are only half the decision.

Guaranteed hours, cancellation terms, stipend proration, housing commitments, reimbursement language, and recruiter promises can change what the contract is really worth.

Review the risks for $39 →

What to check before you sign

Questions to ask your recruiter

How this is calculated ▾
Blended hourly = weekly gross ÷ hours worked, where weekly gross = (taxable rate × hours) + housing + meals. It's the apples-to-apples number for comparing offers.

Overtime is shown on your taxable base × multiplier, because that's how agencies pay it — not on the blended rate. A low base means weak OT.

Annualized assumes ~48 worked weeks a year and is an estimate only; stipends are paid while you're on assignment. Non-taxable stipends stay non-taxable only if you keep a qualifying IRS tax home and duplicate living expenses.
Estimate only. Assumes an approximately 20.6% blended federal and FICA rate on the taxable base and does not tax stipends. Stipend treatment depends on facts a tax professional should review. Not tax, legal or financial advice.

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Why the sticker number can mislead

The weekly gross is not the decision.

Hypothetical example

Contract A

$2,400 / wk gross
  • Higher headline stipend
  • Two unpaid facility call-offs permitted
  • $2,000 monthly housing
  • Stipend may be prorated

Contract B

$2,250 / wk gross
  • Lower headline package
  • Stronger guaranteed-hours protection
  • $1,600 monthly housing
  • Better cancellation protection

The lower weekly gross may create the higher — and more reliable — net income.

RV Nurse Systems provides educational tools and decision-support resources. It does not provide legal, tax, financial, employment, or accounting advice. Contract terms, tax treatment, and individual circumstances vary. Consult an appropriate licensed professional when needed.