Tool
Contract Offer A vs. Offer B
Put two employment offers side by side: base, productivity, bonuses, match, tail coverage, CME, state tax, and PSLF eligibility, over the years that matter.
The Two Offers
A
B
Offer name
Base salary
$
$
Expected annual wRVUsLeave 0 if pay is not productivity-based.
Conversion factor
$/wRVU
$/wRVU
wRVU threshold before bonus
Signing bonusOne time. Usually repaid if you leave early.
$
$
Relocation
$
$
Retirement match
% of base
% of base
CME allowance
$/yr
$/yr
Employer pays malpractice tailIf not, you owe roughly 1.5–2× the annual premium when you leave.
Annual malpractice premiumUsed only when the employer does not pay tail.
$
$
PSLF-qualifying employerNonprofit or government. Confirm with the PSLF Help Tool.
State income tax
% effective
% effective
Governmental 457(b) offeredExtra $24,500 of pre-tax space. Informational; not scored.
years
Match the guarantee period or your honest expected tenure.
$
Only counts for a qualifying employer. Use the PSLF tool.
Side by Side
Offer A
—
economic value over the period
Offer B
—
economic value over the period
Difference
—
| A | B |
|---|
Exposures if you leave early
Not scored, and often decisive: the non-compete, call schedule, partnership track, and the people. Have a physician contract attorney read the document before you sign.
What this assumes
- Cash compensation each year is base plus productivity bonus (max of zero and expected wRVUs minus threshold, times the conversion factor). Signing bonus and relocation count once.
- Employer match is valued at face as a percentage of base. CME is counted at face. Health, disability, and life benefits are not scored; compare them separately.
- State income tax is your entered effective rate applied to cash compensation. Federal tax is the same for both offers and is left out.
- PSLF value is added in full to a qualifying offer. Tail coverage and signing-bonus repayment appear as exposures, not deductions, because they depend on leaving.
Estimates for education only, not individualized advice. Confirm anything you act on with a professional who knows your full situation.