Career and money decisions, priced.
See how a new job, fewer hours or a different loan plan would affect your finances. Free tools for physicians.
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 workWeigh take-home pay against hours and the cost of leaving.
- 02 · Compare an offerAccount for call, benefits and repayment terms alongside salary.
- 03 · Compare repayment plansEstimate federal payments during training and as an attending.
- 04 · Compare locationsSee what taxes, housing and moving costs do to the same salary.
- 05 · Check disability coverageRead the definitions that affect whether a claim pays.
- 06 · Price a partnership buy-inCalculate payback time and the interest financing adds.
Inside an offer
Open the contract checker →Salary is one passage among several. Select a term from the checker's fictional sample to see what the tools compute with it — and what is still worth asking.
- 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
- What the calculation uses
- 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 where the document feeds them.
After the calculation
- Check the assumptions. Read the formulas and dated sources behind each result.
- Set a review date. Save the result and your next step to revisit later.
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. Monthly proration and a without-cause waiver are the standard asks.
- 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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