The Ultimate Healthcare Job Comparison Engine

Stop guessing. Calculate your True Net Hourly Rate.

Are you really making more as an independent contractor?

Is a 50% split actually better than a salaried W2/T4 position with health benefits? The truth usually hides in the "invisible drains" unpaid charting time, self-employment taxes, commute costs, and lack of paid vacation.

Comparing two different pay models is like comparing apples to oranges. Use this tool to strip away the illusions, compare two offers side-by-side, and find out exactly which job pays you more per hour of your actual time.

⚖️ The Ultimate Job Comparison Engine

Are you better off as an Employee with benefits or an Independent Contractor with a higher split? This tool normalizes both offers by deducting the invisible drains on your income: self-employment taxes, unpaid admin time, commute costs, and missed benefits. Let's find your True Net Hourly Rate.

Job Offer A 1. Structure & Income
The blended average fee charged per patient visit (e.g., combining higher assessment fees with lower follow-up fees).
2. Workload & Time Drain
Time spent charting, writing doctor letters, or prepping outside of your paid hours.
Total unpaid time spent traveling to and from the clinic daily.
Estimated daily cost of gas, parking, tolls, and vehicle wear & tear.
3. Perks vs. Hard Costs
The estimated annual amount you would pay out-of-pocket for similar insurance coverage.
Mandatory annual expenses like licensing, state board fees, and liability insurance.
Job Offer B 1. Structure & Income
2. Workload & Time Drain
Time spent charting, writing doctor letters, or prepping outside of your paid hours.
Total unpaid time spent traveling to and from the clinic daily.
Estimated daily cost of gas, parking, tolls, and vehicle wear & tear.
3. Perks vs. Hard Costs
The estimated annual amount you would pay out-of-pocket for similar insurance coverage.
Mandatory annual expenses like licensing, state board fees, and liability insurance.

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📸 Take a screenshot of this table to use in your negotiation
Metric Job A Job B
Gross Annual Income
Total Perks Added
(Health, Match, Con-Ed)
Hard Costs & Tax Hit
(Includes Contractor Tax Drag)
Commute Cost / Yr
Unpaid Time Drain / Yr
(Admin & Commute Hours)
TRUE NET HOURLY
(Total Comp ÷ Total Actual Hours)
🔥 Negotiation Strategy

Grab The Negotiation Playbook

You’ve Maximized Your Income.

Now What?

Negotiating a better split or a higher hourly rate is a massive win, but it's only half the battle. If you don't know how to protect, manage, and invest that extra cash, you'll still be trading time for money 20 years from now. Ready to make your money work as hard as you do?

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