W2 vs. Locum - The real math

W2 vs. Locum

The real math

Compare schedule control, take-home income, and retirement savings side by side in minutes.

This calculator shows whether locums could help you work fewer shifts, keep more income, and build more freedom compared to your current W2 role. Start with your same workload, then adjust your ideal locum schedule to see what changes.

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Dr. Jessica Patel

For the first time I feel like I am in control of my schedule, my income, and my life. I cannot see myself going back to W2.

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Dr. Blake Hampton

Ali and LocumOS have helped me feel more confident transitioning from W2 to 1099 work.

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Dr. Annette Wagner

Joined February 2026, transitioned to full time locums in OB-GYN by March 2026.

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Dr. April Rolle

I joined LocumOS March 2026. I’ve watched all the videos and participate in the weekly calls. I was approved by my first site within 2 weeks.

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Dr. Gozie Nwosu

After a significant amount of self-reflection over the past few months, I’ve come to see how becoming a locum full-time better aligns with my core values.

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Dr. Padideh Ghorbani

Instead of piecing together advice from forums and guesswork, LocumOS provides a true support system physicians can rely on.

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This document is provided for general educational and informational purposes only and should not be interpreted as a guarantee of compensation, employment terms, or job availability. Market conditions change frequently. The author and affiliated organizations assume no liability for decisions made based on the information presented.