Salary Comparison & FIRE Calculator

Enter the same pay period for both offers, then compare base salary, annual bonuses, productivity terms, CME allowance, loan repayment and retirement contributions. The calculator spreads a signing bonus over three years for comparison; that does not change when it is paid or any repayment obligation.

This simplified model uses a target of 25 times annual expenses, a fixed 7% annual investment return and savings based on the initial compensation figure and your selected savings percentage. Starting net worth is the entered emergency fund minus entered debt. Displayed salary projections grow by 3% annually, but the amount added to the net-worth projection stays fixed. These assumptions are not forecasts.

No. Multiplying annual expenses by 25 is a planning shortcut based on an initial 4% withdrawal assumption, not a guaranteed safe withdrawal rate. Investment returns, inflation, taxes, fees, retirement length and the timing of losses can change the outcome.

No. Compensation totals can include non-cash benefits. The projection does not fully model taxes, inflation, investment risk or debt repayment schedules. Use it to compare scenarios, then review the details with qualified financial and tax advisers.

Yes. Offer inputs support physicians, nurse practitioners and physician assistants. The specialty RVU reference values are physician-oriented examples and may not be appropriate for other roles or payment arrangements.

Manual offer comparison, budgeting and the basic FIRE model are free without signup. Optional sign-in prompts remain dismissible. Protected Market Insights and personal account features require verified access; separate advanced AI reports may be paid.