Offer Analyzer workspace
Model job offers over five years
Guarantee period, marginal wRVU tiers, ramp, credentialing delay, partnership timing, buy-in, clawbacks, tail coverage, and exit costs, projected year by year. You get after-tax totals, the year one offer overtakes the other, compensation at 70, 100, and 130 percent of your expected production, and the drivers behind the difference.
Scenario
Every scenario is a named set of assumptions, printed in full below. Switching scenarios is the fastest way to see whether a lead is real or fragile.
Every term performs exactly as you entered it.
Offer A
Enter terms from your own offer letter. Nothing here is a market figure.
Years the base is contractually owed regardless of production.
Production above this line earns extra pay; below it you earn base only. Find it in the compensation exhibit of the contract.
Dollars paid per work RVU beyond the threshold. This one number moves five-year value more than any other term.
Your own estimate. Model it with the RVU calculator rather than taking the employer's pro forma.
Months before you can bill. Compresses year one and prorates the threshold.
Offer B
Enter terms from your own offer letter. Nothing here is a market figure.
Years the base is contractually owed regardless of production.
Production above this line earns extra pay; below it you earn base only. Find it in the compensation exhibit of the contract.
Dollars paid per work RVU beyond the threshold. This one number moves five-year value more than any other term.
Your own estimate. Model it with the RVU calculator rather than taking the employer's pro forma.
Months before you can bill. Compresses year one and prorates the threshold.
Nothing to compare yet
Enter a base salary or an expected wRVU volume on either offer and the five-year projection appears here.
- Start with base salary, the guarantee length, the $/wRVU rate and threshold, and your own realistic annual wRVU estimate.
- Add the credentialing delay and ramp next. Those two terms explain most first-year surprises.
- Partnership timing and buy-in belong in the ownership panel, and change the five-year answer more than any bonus.
Every figure here is a modeled estimate built from terms you entered, not a promise. DoctorCalculator supplies no market compensation data. Tax figures use a simplified federal, payroll, and state effective-rate model and exclude itemized deductions, credits, AMT, NIIT, and local taxes. Non-compete enforceability, partnership documents, malpractice language, and benefit plan details require review by a qualified professional.
Common questions
Why five years instead of one?
Because physician offers differ mostly in shape rather than level. A two-year guarantee against a productivity threshold, a partnership that starts in year three, and a signing bonus that claws back for four years can leave two offers with identical first-year totals hundreds of thousands of dollars apart by year five. The year-by-year table is the point of the tool.
How are productivity tiers handled?
Marginally. Each tier's rate applies only to the wRVUs inside that tier's band, which is how physician compensation plans actually pay. Applying the top rate to all production above the threshold is the single most common way these forecasts come out too optimistic, so the model does not do it and the question list asks you to confirm the treatment in writing.
Is the wRVU threshold prorated for a partial first year?
Yes. When you enter a credentialing delay, the threshold is reduced to the fraction of the year you actually work. Many contracts do not prorate it, which makes a first-year bonus effectively unreachable, so that is one of the generated employer questions.
What do the downside and upside scenarios assume?
Each scenario is a named set of assumptions printed in full in the tool. Downside runs production 20 percent below your estimate, pays no discretionary quality or retention bonus, brings owner distributions in 40 percent light, and adds two months of credentialing delay. Nothing is hidden inside a score.
Does DoctorCalculator supply market salary data here?
No. Every figure comes from terms you enter from your own offer letters, plus a simplified federal, payroll, and state tax model. There is no salary survey, no benchmark, and no earnings promise anywhere in this tool.
What still needs a professional?
Non-compete enforceability, partnership and operating agreements, malpractice language, benefit plan documents, and tax treatment. The model prices cash flows; it cannot read a contract. Use it to arrive at your attorney's office with better questions.