Career and money decisions, priced.
Compare career options, employment offers and loan plans. Free tools for physicians, with the costs and assumptions shown.
No account. Your numbers stay in this browser.
51 jurisdictions statute-checked · latest check October 21, 2026 · 17 dated estimates on rule changes
What are you deciding?
All decisions →- 01 · Change how I workTake-home pay, exit costs and months of savings.82% employed by hospitals · 2026
- 02 · Compare an offerPay, hours, benefits and contract terms.wRVU −2.5% adjustment · 2026
- 03 · Compare repayment plansFederal loan payments, eligibility and PSLF.RAP opened 2026-07-01
- 04 · Compare locationsAfter-tax pay, moving costs and contract restrictions.51 state tax tables · 2026
- 05 · Check disability coveragePolicy definitions that affect whether a claim pays.39.9% of premiums rose · 2025
What you can expect
- Check the numbers. See the assumptions and sources behind each result.
- Save your decision. Keep the result, inputs and a review date in this browser.
Common questions
All answers →- Do I need a lawyer to review my contract?Only when the stakes justify it — cliff clawback, tail you pay, or a covenant beyond your state's cap.
- Signing bonus repayment termsA clawback is standard; a full cliff is not. Ask for monthly proration and a without-cause waiver.
- Is PSLF worth it at my balance?At a high balance and modest attending income, usually yes — but the answer is arithmetic.
- Is disability insurance worth it for my specialty?The definition matters more than the premium. True own-occupation is the term to look for.
From the library
All 114 articles →- StudentsResidentsEarly career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
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