Know what a career decision will cost.
Free tools that price the change a new job, fewer hours or a different loan plan makes in a physician's finances.
No account, no advertising and no referral fees. Calculations run in your browser; saved inputs stay on this device.
Compare your options
All decisions →- 01 · Change how I workWeigh take-home pay against hours and the cost of leaving.
- 02 · Read 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.
What you can hold us to
A contract or a loan plan is too large a decision to take on anyone's word, ours included. Each commitment links to the page that documents 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 →
Every number shows its working
Each result opens to its calculation, 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 and no upload. 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 →
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.
Residency workshops and transition tools
For chief residents and GME programs teaching transition to practice, we publish a 10-slide presenter deck, an offer worksheet and a graduating resident checkout checklist. They are free to download and to share unchanged. A residency program, medical school or specialty society can pay to show its name on the embedded widgets; that buys the name, and the tools' text and data stay the same for everyone.
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 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 library
All 114 articles →- StudentsResidentsEarly career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
- StudentsResidentsEarly careerMid career
