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.
Your contract PDF is read in this browser; nothing is uploaded.
No account, no advertising and no referral fees. Saved inputs stay on this device.
Compare your options
All decision tools →- Change how I workWeigh your take-home pay against hours and the cost of leaving.
- Read a job offerAccount for call, benefits and repayment terms alongside salary.
- Compare repayment plansEstimate federal payments during training and as an attending.
- Weigh acceptancesCompare two award letters: debt at graduation and payments through residency.
- Compare locationsSee what taxes, housing and moving costs leave of your salary.
- Check disability coverageRead the definitions that decide whether a claim is paid.
- Leave a jobSee what leaving costs, in the order it comes due: notice, repayment, tail and the non-compete.
Inside an offer
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. Programs 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 so the other tools can reuse them; "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 →
Questions physicians ask
All answers →- Do I need a lawyer to review my contract?The checker finds the terms that carry the most money, such as a cliff clawback, a tail you would pay for, or a covenant past your state's limit, and lists the questions they raise for a lawyer.
- Is my signing bonus clawback normal?What you would owe at each month of leaving depends on the repayment schedule, and how much of the tax withheld on the bonus comes back depends on the calendar year you leave in.
- Is PSLF worth it at my balance?At $250,000 of federal loans and an attending income of $300,000, the arithmetic puts ten qualifying years about $160,000 ahead of the standard plan. Your own numbers can move that either way.
- Is disability insurance worth it for my specialty?Policies differ most in how they define disability. The answer explains the four terms that decide most of a policy's value.
From the archive
Articles from 2022–2024, kept as written. Where a rule has changed since, the article carries a dated notice.
