Staff vs travel, nights vs days, overtime vs agency — nursing pay has more variables than most professions. These tools convert every option into the same units so the better offer is obvious.
Run both through the travel nurse pay calculator: it nets the taxable wage at your tax rate, adds the tax-free stipends, subtracts the duplicated housing you actually pay at the assignment, and shows the honest annual take-home of each — plus the breakeven stipend where the contract stops winning. The blended rate agencies quote hides all three of those numbers.
Overtime at 1.5× sounds simple but the honest question is per-year: overtime hours × 1.5 × base rate, added to base pay, then re-divided by total hours to see your true blended rate. The salary-to-hourly calculator does the blend.
Nursing loans often sit at 5–7%. The loan payoff calculator shows what an extra shift's pay per month does to your timeline — on a typical nursing balance, one extra shift's worth monthly commonly cuts years off the loan.