OFFER DECODER
Separate guaranteed cash from productivity pay and expose the cost to leave.
DOCTORS & HEALTHCARE
Decode the contract before the attending lifestyle begins.
A physician offer is not a salary. It is a compensation formula, a student-loan route, an insurance contract, and a potential exit bill. Put numbers on all four before you sign.
THIS PAGE DOES THE WORK
Offer economics · PSLF runway · disability gap · base-pay lifestyle
LIVE WORKBENCH
Enter the facts. Get the decision.
Your entries and latest result save on this device first and can sync only through an optional Cockpit account. Load the example if you want to see the engine work before using your numbers.
CAREER MONEY ENGINES
Choose the decision in front of you.
Each module uses different inputs and different math. Nothing here is a renamed checklist.
STUDENT-LOAN ROUTE
Compare the entered PSLF path with private refinance without inventing federal payment formulas.
DISABILITY GAP
Turn “60% coverage” into the spendable monthly benefit the policy may actually provide.
LIFESTYLE GATE
See whether recurring spending works on guaranteed take-home pay alone.
WHAT CAN BREAK THE RESULT
Do not let a missing fact quietly become zero.
The headline is not guaranteed pay
wRVU thresholds, collections, call, quality pay, vesting, malpractice, and clawbacks can materially change the economics.
Federal refinancing is irreversible
Do not give up federal protections until Direct Loan status, employer eligibility, qualifying-payment count, and official payment estimates are verified.
A percentage is not a disability benefit
Caps, taxes, offsets, elimination periods, exclusions, and specialty definitions determine what is spendable.
USE THE RESULT NOW
Open the next tool only to test a named assumption.
TOTAL COMPENSATION
Compare the full economic value of two offers.
OPEN TOOL → LOAN PAYOFFStress-test a non-forgiveness payoff route.
OPEN TOOL → DISABILITY POLICYInspect policy definitions before relying on the benefit.
OPEN TOOL → EMPLOYER BENEFITSCapture the retirement dollars inside the offer.
OPEN TOOL →VERIFY BEFORE COMMITTING
The model is only as good as the contract, portal, or statement behind it.
Use an employment attorney for termination, restrictive-covenant, malpractice, tail, and clawback terms. Use official Federal Student Aid estimates and qualified tax advice when filing status or federal repayment rules materially change the comparison.