Know your true take-home pay,
before you sign.
Recruiters quote you a flashy blended rate. We break it down into real numbers — taxes, stipends, expenses, and net income — so you can compare contracts in minutes and negotiate with confidence.
No sign-up · Your data never leaves your device
100%
on-device · no signup to start
50
states & tax scenarios
<5 min
to a full breakdown
Why blended rates lie to you
Two contracts with the same advertised rate can differ by thousands of dollars in real take-home pay. TravelNurse Rate shows you the difference.
See your real net income
We separate taxable wages from tax-free stipends and run accurate federal and state tax estimates, so you see actual take-home pay — not a marketing number.
Compare offers side-by-side
Stack up to three contracts against each other and against a staff salary baseline. The highest gross rate is rarely the best deal — now you can prove it.
Catch the red flags
Stipends above GSA limits, missing guaranteed hours, low taxable rates that gut your 401(k) match — we surface the risks recruiters gloss over.
Negotiate from a position of strength
Run what-if scenarios on hours, overtime, and stipends before you get on the phone. Walk into every negotiation knowing exactly what each lever is worth.
Get AI-drafted negotiation scripts
Pro users get a personalized market comparison and a ready-to-send negotiation email for every saved contract, tailored to the actual numbers in your offer.
See if the stipend covers the city
Pro estimates typical furnished rent and food costs at the contract's destination, then shows how much your tax-free housing and M&IE stipends actually cover — so a strong package in a pricey market never blindsides you.
From offer to answer in three steps
No spreadsheets, no guesswork. Just a clear picture of what each contract actually puts in your pocket.
Enter the offer
Drop in the numbers from your contract — bill rate, stipends, hours, location. Use Quick Analysis for a fast read or Full Analysis for every detail.
See the real breakdown
We calculate federal and state taxes, housing and meal stipends, expenses, and benefits to show your true weekly and annual net income.
Compare and negotiate
Save contracts, line them up side-by-side, and run what-if scenarios. Then go back to your recruiter with numbers that back you up.
Free to start. Pro when it pays for itself.
Travel nurses make 5-figure decisions on every contract. Pro pays for itself the first time it changes your mind on a negotiation.
Free
$0
Everything you need to analyze a few contracts on your own device. No account, no card, no catch.
Start free- Up to 3 saved contracts
- Quick & full contract analysis
- 50-state tax math + GSA per-diem lookups
- Side-by-side contract comparison
- 100% on-device — no signup required
Pro
$9.99/mo
or $79/yr · save 34%
Unlimited contracts, AI insights and a cost-of-living check on every offer, plus your data synced across every device.
Try free, upgrade when you're ready- Everything in Free
- Unlimited saved contracts
- AI contract insights + negotiation scripts
- Cost-of-living check — stipends vs. local rent & food
- Cross-device cloud sync
- PDF & CSV export of any analysis
Cancel anytime. Canceling keeps Pro active until the end of your billing period.
Frequently asked questions
Everything you need to know before you analyze your first contract.
What is a blended rate, and why does it matter?
A blended rate combines your taxable hourly wage and your tax-free stipends into one number recruiters love to quote. It hides how much of your pay is taxed, whether stipends are realistic, and what you actually take home. TravelNurse Rate pulls those pieces apart so you can compare offers honestly.
Do I need a tax home to use the app?
No. The app works whether or not you maintain a tax home, but your answer changes the math significantly. If you do not have a qualifying tax home, stipends are generally taxable — and the app reflects that in your net income estimate so there are no surprises at tax time.
Is TravelNurse Rate free?
Yes. You can analyze contracts, see full breakdowns, and save up to 3 contracts for free with no account or sign-up. Pro ($9.99/mo or $79/yr) adds unlimited contracts, AI-drafted negotiation scripts, a cost-of-living check on every offer, cloud sync across devices, and PDF/CSV export.
What do I get with Pro?
Pro unlocks unlimited saved contracts, AI insights for every offer (market comparison + a ready-to-send negotiation email tailored to your numbers), a cost-of-living check that compares your stipends to local rent and food, cross-device sync, and PDF/CSV export of any analysis. You can cancel anytime — cancelling keeps Pro active until the end of your billing period.
Where is my data stored?
On the free plan, everything stays on your device — your profile and saved contracts live in your browser local storage and nothing is uploaded. Pro users get the option to sync contracts across devices via a secure cloud backup tied to their account; you stay in control and can stop syncing at any time.
How accurate are the tax calculations?
The app uses current federal brackets and state tax estimates along with standard travel nursing expense categories to give you a close, realistic estimate. It is a planning tool, not tax advice — always confirm specifics with a tax professional who knows travel nursing.
What is the cost-of-living check, and how accurate is it?
The cost-of-living check is a Pro feature that estimates typical furnished rent and food costs for the city in your contract, then shows how much your tax-free housing and M&IE stipends actually cover. It is an estimate, not a quote — housing comes from a live scan of current public furnished-rental listings and food from federal BLS and BEA cost data, so the app reports a typical figure alongside the full range those listings span. Real rent varies with timing, neighborhood, and the specific unit, so treat the result as a planning range and confirm actual costs before you sign.
Can it handle crisis, local, and strike contracts?
Yes. Alongside standard travel contracts, the analyzer supports crisis and local assignments as well as short-term strike contracts, each with their own pay structure and scoring.
Your next contract is worth more
than a blended rate.
Run the real numbers before you sign. It's free, it takes minutes, and your data never leaves your device.
Analyze a contract now