Built for medical professionals
Physician Contract & Compensation Calculator
Every physician signs a contract, yet compensation structures are notoriously opaque — base salary, wRVU thresholds, quality bonuses, call pay, partnership tracks, and restrictive covenants all bundled together.
This tool helps you answer two questions for free, with every number tied to its source: is my offer fair for my specialty and region, and what's actually in my contract?
What this calculator helps you do
- Benchmark your total compensation against 25th–90th percentile ranges by specialty.
- Model wRVU-based and hybrid pay, and see how productivity changes your income.
- Compare two or three job offers on true total compensation, not just base salary.
- Surface contract red flags: non-compete terms, tail coverage, termination, and buyouts.
- Look up non-compete enforceability for your state.
Who this is for
Residents and fellows evaluating first attending offers, and practicing physicians weighing a job change or contract renewal.
Author: MedCalc Editorial Team
Methodology review: MedCalc Editorial Team
Last reviewed: Jun 2026
Physician Contract & Compensation Calculator
Benchmark your pay, model wRVUs, compare offers, and flag contract red flags — all in your browser, with every number tied to its source.
Where does your pay land?
Base + bonus + benefits if known.
Enables the delta-comp metric.
25th percentile
$225,000
Median (50th)
$264,000
75th percentile
$315,000
90th percentile
$385,000
Source: Consensus model — BLS OEWS + published Medscape/Doximity/MGMA aggregates · Updated 2026-04-15
Disclosure: some links on this page may be affiliate links. We may earn a commission at no extra cost to you.
Partner offer
Plan around your new compensation
Once you know your numbers, a fee-only fiduciary advisor can help you put them to work.
- Advisors who work with physicians
- Fee-only / fiduciary options
- Debt, retirement, and tax-aware planning
Affiliate link disclosure applies
Educational Planning Notice
This calculator is for educational physician finance and career planning. It is not medical, financial, tax, legal, or insurance advice.
Verify assumptions against your contract, institution, advisor, lender, insurer, or licensed professional before acting on the output.
How to use this calculator
- Pick your specialty to load compensation and wRVU benchmarks.
- In Benchmark, enter your offered or current total comp to see your percentile.
- In wRVU → $, enter your model (base, threshold, $/wRVU) to project income across productivity scenarios.
- In Compare offers, enter two or three offers to rank them by effective total compensation.
- In Contract check, enter your contract terms and state to get an evidence-based red-flag list.
Understanding your results
- Benchmarks are national medians and percentiles; local markets and academic vs. private settings vary widely.
- Different salary surveys (MGMA, SullivanCotter, Doximity, BLS) disagree — treat the percentile as a range, not a verdict.
- The wRVU threshold realism check compares against an approximate 75th-percentile production level for your specialty.
- Contract flags are an educational checklist; a healthcare-employment attorney should review the actual document.
- Total compensation includes benefits — malpractice, CME, retirement match, and loan repayment — not just salary.
Common questions
Is this legal advice?
No. The contract checklist is educational and flags common issues to discuss. It is not a substitute for review by a licensed healthcare-employment attorney.
Where do the compensation benchmarks come from?
They are derived from publicly available and published aggregate sources (BLS OEWS plus published MGMA/SullivanCotter/Doximity figures). Each survey has limitations — self-reported data can be biased, and employer-reported data lags — so treat the result as a range.
What is a wRVU and why does it matter?
A work Relative Value Unit measures the time and intensity of a service. Most physician pay is tied to wRVU production, so understanding your threshold and rate per wRVU is essential to knowing what you'll actually earn.
Are non-competes enforceable?
It depends on your state. Several states ban or sharply limit physician non-competes; others enforce them if reasonable in duration, geography, and scope. The state lookup gives general context, not a legal determination.
Does the tool store my contract?
No. All calculations run in your browser. Nothing you enter is uploaded or saved.
Sources and methodology
- BLS Occupational Employment and Wage Statistics (OEWS)
- CMS Physician Fee Schedule (wRVU, GPCI, conversion factor)
- Published MGMA / SullivanCotter / Doximity / AAMC compensation aggregates
- JACC Advances 2023 restrictive-covenant review; ACP and ACC policy statements
Changelog: Updated for 2026 assumptions and refreshed copy.
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