How this is calculated

Look up a CONUS ZIP or locality from GSA’s FY2026 tables. Lodging uses the seasonal monthly ceiling for each night away (travel days − 1). M&IE uses the locality’s daily tier, with the first and last calendar travel days at 75% of the full rate. Totals run locally in your browser.

What about OCONUS or foreign travel?

This calculator covers CONUS (contiguous U.S.) FY2026 rates only. Alaska, Hawaii, U.S. territories, and foreign per diem use different Defense / State Department tables — look those up on the official GSA or DoD sites.

Why might a ZIP ask me to choose a locality?

Some ZIP codes sit on county or NSA boundaries and appear under more than one GSA destination. Pick the locality that matches where you will actually stay.

GSA Per Diem Calculator (CONUS)

What GSA per diem covers

When federal travelers (and many contractors or agencies that follow federal travel rules) go on official travel in the contiguous United States, the U.S. General Services Administration (GSA) publishes per diem ceilings. The two big pieces are lodging (a nightly hotel ceiling that can change by season) and M&IE (meals and incidental expenses), a daily meals allowance with a published meal breakdown.

The GSA Per Diem Calculator on HustleNumbers estimates both for CONUS FY2026 localities: look up a ZIP or city, enter travel dates, and get lodging nights plus M&IE with the standard 75% first/last-day rule. Alaska, Hawaii, territories, and foreign rates use other official tables and are out of scope here.

Locality rates and the standard CONUS fallback

GSA lists non-standard areas (NSAs) with their own lodging and M&IE. Counties and ZIPs not listed use the standard CONUS rate — for FY2026 that is $110 lodging and $68 M&IE (effective October 1, 2025). Higher-cost cities use higher published M&IE tiers ($74, $80, $86, or $92) and seasonal lodging that can jump in peak months.

Some ZIP codes sit on NSA or county boundaries and map to more than one locality. When that happens, the calculator asks you to choose the destination that matches where you will stay. Always confirm the live table on GSA’s per diem rates page before you file a voucher.

First and last day at 75%

Under standard federal M&IE rules for CONUS travel, the first and last calendar days of the trip are reimbursed at 75% of the full daily M&IE rate. Full days in between receive 100%. Lodging is counted in nights: a five-calendar-day trip is usually four lodging nights (depart through the night before return).

How to use this calculator

ZIP or city: enter a ZIP, or search a locality name. Confirm the destination label (or pick among options if the ZIP is ambiguous).
Travel dates: start and end are inclusive calendar travel days.
Read the results: grand total, lodging total (with per-night seasonal ceilings when useful), M&IE total, night and day counts, and the full-day meal breakdown.
Optional: the manual M&IE-only section remains if you already know the published tier and only need meals math.

All calculations run locally in your browser. Nothing about your trip is uploaded to a server.

A simple trip example

Suppose you travel to New York City from January 5 through January 9, 2026 (five calendar days). FY2026 NYC M&IE is $92, so three full days and two travel days at 75% produce $414 M&IE. January lodging is $179/night × four nights = $716. The combined estimate is $1,130 before airfare, taxis, or agency-specific adjustments (provided meals, actual expense authorizations, etc.).

Practical tips for vouchers

Match the locality and effective dates on GSA’s site to your actual travel dates (this tool vendors FY2026).
Know whether your organization uses straight GSA per diem, a contract hotel rate, or a reduced meal rate when meals are provided.
Seasonal lodging can change mid-trip — peak and off-peak months are applied per night.
Incidental expenses inside M&IE are not a blank check; follow the Federal Travel Regulation and your agency’s guidance.

Next steps checklist

Look up your destination on gsa.gov (or here by ZIP/city) for the travel dates.
Count calendar travel days carefully (depart through return).
Run the per diem calculator and review lodging nights vs M&IE days.
Add transportation and other authorized expenses separately.
Before filing, re-check GSA figures and any agency overlays.

Related tools on HustleNumbers

Invoice Generator: if you bill a client for travel as a contractor, itemize clearly (this calculator is not an invoice).
Quote / Proposal Generator: estimate project fees before travel; keep per diem estimates separate from professional fees.
Rate Card Generator: publish your service rates when travel billing is separate from per diem.

Published reference only. FY2026 CONUS locality rates and M&IE rules follow GSA and federal travel guidance and can change. Confirm current locality rates and policies on gsa.gov and with your agency travel office. This tool is educational, not official reimbursement approval or legal advice. OCONUS and foreign per diem are not modeled.