Know what a career decision will cost.
Free tools that show what a new job, fewer hours or a different loan plan does to your pay and savings.
It also reads job postings, recruiter messages, insurance quotes and loan emails. Everything is read in this browser; nothing is uploaded.
Explore by decision area
Four suites: contracts, loans, residency and career decisionsCheck, compare and exit
Clause auditor, two- and three-offer comparison, 1099 equalizer, and non-compete rules for 51 jurisdictions.
Federal plans & PSLF
RAP vs. IBR vs. Standard, PSLF value calculator, forgiveness tax, and refinance breakeven.
Match Day to July 1
Take-home pay by state, training licenses for 51 jurisdictions, true hourly pay, and union benchmarks.
Schedules, setting & moves
Ways of working, reduced hours floor, cost of relocation, leave, and partnership buy-in math.
Compare your options
All decision tools →- Compare ways of workingWeigh your take-home pay against hours and the cost of leaving.
- Weigh a job offerAccount for call, benefits and repayment terms alongside salary.
- Compare two or three offersPut two or three offers side by side at 1, 3 and 5 years: exit costs, tail and loan forgiveness.
- Compare repayment plansEstimate federal payments during training and as an attending.
- Compare locationsSee what taxes, housing and moving costs leave of your salary.
- Check disability coverageRead the definitions that decide whether a claim is paid.
- Cost of time offUnpaid weeks less the state benefit, the wRVU bonus and the FMLA's three tests.
- Cost of leavingAdd bonus repayment, tail and a buyout for each month you might leave.
- Leaving a jobEach step in the order it comes due: how the contract ends, notice, repayment, tail and the non-compete.
What an offer looks like
Salary is one term among several. Pick one from the checker's fictional sample to see what the tools compute with it — and what is still worth asking about.
Open the contract checker →- What the document says
- guaranteed base salary of $285,000 per year for the first two (2) years of employment. Beginning in year three, Physician shall be paid $52.00 per wRVU for all work relative value units generated, with no guaranteed minimum. Page 1 of the sample
- How the tools read it
- Year one and two run on the $285,000 guarantee. From year three the offer tool projects pay from a wRVU estimate times the $52.00 factor — with no minimum, year-three cash is an estimate, not a promise.
- What remains to ask
- What wRVU count do physicians at my stage actually generate here, and is there any floor under year three?
Numbers and decisions live in the tools; this shows which parts of the document feed them.
What you can hold us to
A contract or a loan plan is too large a decision to take on faith, ours included. Each commitment links to the page that documents it.
Every number shows its work
Each result opens to the arithmetic behind it, and each rule names its primary source and the date we last read it. No tool scores your contract: a score would be our judgment presented as a fact about yours.
How we check →Mistakes stay on the record
We date and log each correction rather than editing quietly. On October 21, 2026, the day we published non-compete law for every state, we found the table had missed Vermont's Act 177 of 2026 and fixed it that day. A re-check of 20 states and the clause library that month corrected 23 claims and removed 10 we could not verify.
The change log →No one pays to change an answer
No lender, insurer, financial advisor, recruiter or advertiser pays Andwise, and it earns no referral fees: each would give someone a reason to shade an answer. Training institutions and societies can pay for one thing: their name on the embedded widgets.
How the site stays independent →What you enter stays on your device
There is no account. A contract PDF is read inside this browser, and the numbers you type are not sent to us or anyone else. The terms you confirm stay on this device; "Clear this workstation" removes them.
How the browser enforces it →
Kanav JainCo-founder; led physician software products at DoximityKanav maintains the tools and data and answers for what is published. From 2022 to 2024, physicians, attorneys and financial planners helped write the library, and 56 clinicians served on the medical advisory board at its peak. About Andwise →