Jemma

By Jemma LLC

Overview

Jemma answers nurse pay questions with real math. Ask what you'll take home at your hourly rate, what a travel contract is worth after tax, whether a 1099 or locums rate beats a staff job, what you'd need to earn to move cities, or what nurses with your credential earn in your state. Every figure comes from Jemma's calculators, using 2026 federal and state tax tables, and pay benchmarks come from the Bureau of Labor Statistics, always labeled. Where enough nurses have verified their pay on Jemma, you see Jemma's median too, and where they haven't, you see how close that group is to the 30 nurses Jemma needs to publish it. No account needed, and Jemma never asks for your license number or your salary inside ChatGPT. Estimates, not tax advice.

Tools

compare_cost_of_living

ChatGPT

Compare the cost of living between two US metro areas for a nurse, and return the pay needed in the new city to keep the same standard of living, plus typical rent and monthly costs in both. Covers about 165 metros. Use when a nurse is thinking about moving or comparing offers in different cities. Quote the returned figures as given. Not for sharing or adding a salary, or for a license number: a nurse does those on nursejemma.com, not with this tool.

estimate_1099_take_home

ChatGPT

Estimate what a nurse keeps from 1099 contract work (locums, PRN, independent contracting) as a sole proprietor and as an S-corp, with 2026 self-employment, federal and state taxes, quarterly estimated payments, and the W-2 hourly rate the contract equals. Use when a nurse, NP or CRNA asks about a 1099 or locums rate. Quote the returned figures as given. Not for sharing or adding a salary, or for a license number: a nurse does those on nursejemma.com, not with this tool.

estimate_take_home_pay

ChatGPT

Estimate a nurse's take-home pay per week and per year from an hourly rate, with 2026 federal, state, Social Security and Medicare taxes, overtime and shift differentials. Use when a nurse asks what they will actually take home, or what a raise, extra overtime or a differential is worth after tax. Quote the returned figures as given. Not for sharing or adding a salary, or for a license number: a nurse does those on nursejemma.com, not with this tool.

estimate_travel_contract

ChatGPT

Estimate a travel nurse contract's take-home pay per week and for the whole contract from the taxable hourly rate and the tax-free housing and meals stipends, including the blended hourly rate and the extra tax owed to a different home state. Use when a nurse is weighing a travel contract or offer. Quote the returned figures as given. Not for sharing or adding a salary, or for a license number: a nurse does those on nursejemma.com, not with this tool.

nurse_pay_benchmark

ChatGPT

Look up what nurses with a credential earn in a state or metro area: the Bureau of Labor Statistics wage range, Jemma's own verified-nurse median where enough nurses have shared, and how many verified nurses that group has toward the 30 Jemma needs to publish its median. Use when a nurse asks what they should be paid, whether their pay is fair, or what a credential earns somewhere. Quote the returned figures as given. Not for sharing or adding a salary, or for a license number: a nurse does those on nursejemma.com, not with this tool.

share_your_pay

ChatGPT

Show a nurse how to share their own pay on Jemma: sign up, share their pay and verify their license, all on nursejemma.com, plus how many verified nurses their group has toward the 30 Jemma needs to publish its median. Use when a nurse wants to share, add, submit or contribute their salary to Jemma, or offers a license number. This tool takes no pay figure and no license number: never pass either, and tell the nurse not to post a license number in the chat.