Tools for physicians
Career and money decisions, priced.
Free tools that show what a new job, fewer hours or a different loan plan would change in a physician's finances.
There is no account to create, and your numbers stay in this browser.
What are you deciding?
All decisions →- 01 · Change how I workWeigh take-home pay against hours and the cost of leaving.
- 02 · Weigh a job 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 · Leave a jobSee what leaving costs, in order: notice, repayment, tail and the non-compete.
The fine print
Inside an offer
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.
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 where the document feeds them.
After the calculation
- The results show their working. Each measure opens to its calculation, and each rule links the dated source it comes from, so you can check the assumptions before relying on them.
- A decision can be saved with a review date. The decision tools keep the result and your next step in this browser, so you can come back and compare what you assumed with what happened.
For Chief Residents & GME Programs
Residency workshops and transition tools
For transition-to-practice teaching, we publish a 10-slide presenter deck, an offer worksheet and a graduation exit checklist. They are free to download and to share unchanged. Showing the embedded widgets under a program's own name is a paid co-brand license.
Common questions
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, tail you pay or a covenant past your state's limit, and lists the questions they raise for a lawyer.
- Signing bonus repayment termsWhat you would owe at each month of leaving, and how much of the tax withheld on the bonus comes back, depends on the schedule and the calendar year you leave in.
- Is PSLF worth it at my balance?At $250,000 of federal loans and a $300,000 attending income, the model 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 library
All 114 articles →- StudentsResidentsEarly career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
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