Compare scenarios
Same household, different choices. Each tab is filled by the calculator that owns it, and every row runs through the same tax, loan and housing math.
Sample offers. These offers come from Job offers, where you enter and judge each one. Here, each one runs through your whole plan. Edit offers →
| A Nonprofit hospital Chicago, IL · $300,000 base · PSLF employer | B Private group Dallas, TX · $340,000 base · for-profit | + Add from Job offers | |
|---|---|---|---|
| Household gross | $360,000 | $400,000 +$40,000 (better) | |
| Total tax | $79,721 Federal, FICA, Illinois (better) | $81,991 Federal, FICA, no state tax | |
| Pre-tax savings | $62,750 403(b), 457(b), HSA, spouse 401(k) (better) | $38,250 403(b), HSA, spouse 401(k) | |
| Student loan payments | $28,525 RAP on joint AGI, toward PSLF (better) | $32,558 Refinanced, 5.5% for 10 years | |
| Loan forgiveness | $127,860 Tax-free, 2033 (better) | $0 Not a PSLF employer | |
| Housing (PITI) | $61,547 $650,000 home · 1.8% property tax | $55,297 $550,000 home · 2.1% property tax (better) | |
| Saved per year, total | $83,750 Pre-tax + Roth + 529 (better) | $59,250 Pre-tax + Roth + 529 | |
| Available to spend | $22,457 $1,871/mo | $86,903 $7,242/mo (better) |
Household gross
- Nonprofit hospital
- $360,000
- Private group
- $400,000
- +$40,000
- Better
Total tax
- Nonprofit hospital
- $79,721
- Federal, FICA, Illinois
- Better
- Private group
- $81,991
- Federal, FICA, no state tax
Pre-tax savings
- Nonprofit hospital
- $62,750
- 403(b), 457(b), HSA, spouse 401(k)
- Better
- Private group
- $38,250
- 403(b), HSA, spouse 401(k)
Student loan payments
- Nonprofit hospital
- $28,525
- RAP on joint AGI, toward PSLF
- Better
- Private group
- $32,558
- Refinanced, 5.5% for 10 years
Loan forgiveness
- Nonprofit hospital
- $127,860
- Tax-free, 2033
- Better
- Private group
- $0
- Not a PSLF employer
Housing (PITI)
- Nonprofit hospital
- $61,547
- $650,000 home · 1.8% property tax
- Private group
- $55,297
- $550,000 home · 2.1% property tax
- Better
Saved per year, total
- Nonprofit hospital
- $83,750
- Pre-tax + Roth + 529
- Better
- Private group
- $59,250
- Pre-tax + Roth + 529
Available to spend
- Nonprofit hospital
- $22,457
- $1,871/mo
- Private group
- $86,903
- $7,242/mo
- Better
The trade-off
B leaves $64,446 more a year to spend or invest. A’s PSLF forgiveness is worth $127,860, about 2 years of that gap, and A puts $24,500 more a year into tax-advantaged accounts.
What this doesn’t capture
Pay per hour, malpractice tail and non-compete terms live in Job offers. Not captured anywhere: schedule fit, partnership odds and cost of living beyond housing.
Educational comparison of sample inputs. Base salary only; sign-on, bonuses and loan repayment are on each offer. Back to My Plan →