Contract diligence tool
Compare two job offers like an analyst
Type, paste, or upload terms from your own offer letters. Base, $/wRVU, thresholds, call, benefits, tail, buy-in, clawbacks, vacation, and location, and get the deltas that decide it: total comparable value, net take-home pay after tax and benefits, 1099 vs W2 differences, breakeven wRVUs, and each rate against its locality's public Medicare floor.
Offer text import
Paste or upload offer text, then apply the terms it can identify to either offer. Review every imported number against the written document. 100% client-side: your contract text never leaves your device and is not uploaded to any server.
Benefits and protections
Risk, buy-in, and clawbacks
Benefits and protections
Risk, buy-in, and clawbacks
Offer A. Modeled year
Net Take-Home
$233,788
after fed/state tax & deductions
Cash comp
$300,000
base + production + bonuses/call
Total Value
$300,000
includes benefits minus tail/buy-in
Per worked hour
$102
50 h/wk net take-home
Call load
0/yr
0 nights/month
Rate vs Medicare floor
—
straight salary. No production terms
Everything here is computed from numbers you typed from your own offer. We supply no market compensation data. The Medicare floor is the public work-GPCI × conversion factor for the selected locality, a reference point, not a target. Estimate your annual wRVUs with the RVU calculator.
Put both offers side by side.
Total-comp and per-hour deltas, call and vacation trade-offs, the exact wRVU volume where the offers cross, and each contract's rate against its locality's public Medicare floor.
Common questions
How is total compensation calculated?
Cash compensation includes base salary, production pay above the wRVU threshold, call pay, annual bonuses, loan repayment, and signing/relocation bonuses amortized over three years. Total value adds benefits and subtracts annualized tail and buy-in obligations. Net take-home applies federal, state, and payroll (or 1099 self-employment) taxes. Every number comes from your own offer letters · DoctorCalculator supplies no market compensation data.
What is the Medicare floor ratio?
Your contract's $/wRVU divided by the public Medicare-implied rate for the offer's locality (work GPCI × the national conversion factor). It's an honest public reference point, not a target. Employed rates are typically higher because they're funded from all-payer collections.
What is the breakeven wRVU volume?
The annual wRVU production at which both offers pay the same. Below it the higher-base offer wins; above it the higher-rate offer wins. Estimate your realistic volume with the RVU calculator's workload modeler.
Can I upload an offer?
Yes. Paste or upload offer text and the tool will try to extract base, bonuses, $/wRVU, thresholds, call pay, vacation, retirement match, CME, tail, and non-compete terms. Treat extraction as a draft and verify every number.
What still needs human review?
Partnership documents, enforceability of non-competes, malpractice language, benefit plan details, tax treatment, and legal risk still need human review. Use this as financial decision support, ideally alongside a contract attorney.