INVESTIGATIVE TOOL — NALTO + SIA DATA

Bill Rate ↔ Pay Rate Decoder

The math your agency hopes you won't run.

Plug in the hospital bill rate or your pay rate. See exactly where every dollar goes — and what you'd earn at a transparent 18% margin vs. industry 40%.

NALTO + SIA industry dataLocums One margins published (15–22%)Every input is your own numberFree, no signup

Specialty-scaled malpractice costsIndustry 40% vs Locums One 18%Free, no signup

What do you want to calculate? *

What's your offered pay rate per hour? *

What's your specialty? *

Do you know your agency's margin? (optional)

If unknown, we default to the industry average of 40%. Most agencies won't disclose this when asked — that itself is a signal.

Hours per week

Weeks per year

Email me a copy of this breakdown

We'll send a 1-page PDF with the full dollar breakdown. No spam.

Optional — the decoder works without it.

Fill in the form and click "Show Me Where The Money Goes" to see the breakdown.