Tool · Investor Sam Travel

Per Diem (GSA) Estimate Calculator

June 30, 2026 • By the Investor Sam Editorial Team • Reviewed by Berly Sam Varghese, Editor
Federal and many corporate travel policies reimburse business trips on a per diem basis: a fixed lodging rate plus a meals-and-incidental-expenses (M&IE) rate for each city. A wrinkle trips up almost everyone: the first and last travel days are reimbursed at only 75% of the M&IE rate. This calculator applies that rule automatically and totals your expected per diem for the trip.

Example: Number of nights: 4 · Lodging rate per night: 178 $ · M&IE rate per day: 79 $

Total per diem$1,068
Lodging total$712
Meals & incidentals total$356

Worked example

A trip with 4 nights spans 5 travel days. Lodging is only paid for the 4 nights: 4 times $178 is $712. For meals, the 3 middle days pay the full $79 ($237), while the first and last days pay 75% of $79, or $59.25 each ($118.50), for an M&IE total of about $355.50. Altogether the per diem is roughly $1,067.50. Forgetting the 75% rule would overstate the meals by nearly $40.

Frequently asked questions

Where do I find the correct GSA rates?

The U.S. General Services Administration publishes per diem lodging and M&IE rates by city and county, updated each fiscal year. Look up your destination on the GSA per diem site and enter those exact figures for an accurate estimate.

Why are the first and last days only 75%?

Travelers usually depart or return partway through those days, so a full day of meals is not warranted. Federal rules set travel-day M&IE at 75% of the daily rate, and this tool applies that automatically for the first and last day.

Is lodging paid for the last day?

No. Lodging per diem is paid per night, so a trip with 4 nights and 5 days reimburses 4 nights of lodging. The extra travel day only affects meals and incidentals, not lodging.

Does per diem cover the actual hotel bill?

Per diem caps what you can be reimbursed; if your hotel costs less, you are reimbursed the lower actual amount under most policies, and if it costs more, you may cover the difference. Some agencies allow exceptions for high-cost cities.

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Sources

Berly Sam Varghese · Editor, Investor Sam

Berly Sam Varghese is an engineer who treats money the way he treats any hard problem — something to be engineered, not gambled on. He funded years of education and built real financial stability the patient way, by living below his means and investing rather than borrowing. He writes for the person trying to travel well without wrecking their budget. He reviews and approves every article on Investor Sam and checks the figures against primary sources before anything is published. More about our standards.