---
title: "What leaving a job costs in cash"
canonical: "https://www.joinandwise.com/contracts/exit-cost"
license: "CC BY 4.0"
---

# What leaving a job costs in cash

The combined cash cost of leaving an employed physician job at a chosen month: bonus repayment, tail coverage, a buyout and other repayments, compared by month of exit.

The page computes in the browser from the values in its fields, which start as a labeled example. Nothing entered is sent anywhere.

## Open it with a physician's numbers

Add the values after `#`, starting with `src=assistant`, in the page's own units (a percent as 8.07): https://www.joinandwise.com/contracts/exit-cost#src=assistant&bonus=…&windowMonths=…&exit=…

A field left out keeps the page's value. The page says it opened from an assistant's link and asks the physician to check each number. The browser does not send the part after `#` to any server.

## Fields

- bonus: Signing bonus (USD, 0–no maximum)
- windowMonths: Repayment window (months, 1–60)
- exit: Leaving after (months, 0–60)
- schedule: How the amount owed falls (one of monthly = Each month worked (prorated); annual = Each completed year; cliff = At the end of the window)
- paidOn: Month the bonus was paid (YYYY-MM)
- startOn: Start month (YYYY-MM)
- federalRateAtPay: Federal tax rate in the bonus year (percent, 0–37)
- federalRateAtRepay: Federal tax rate in the repayment year (percent, 0–37)
- stateRate: State tax rate (percent, 0–15)
- itemizes: Itemizes deductions (on, or empty to clear)
- tailPayer: Who pays tail coverage on leaving (one of physician = Physician pays; employer = Employer pays; vested = Vests with years of service; employer-without-cause = Employer pays without cause, physician on leaving)
- premium: Annual claims-made premium (USD, 0–no maximum)
- otherAmount: Other repayment (relocation, loan) (USD, 0–no maximum)
- otherWindowMonths: Other repayment window (months, 0–120)
- otherProrated: Other repayment prorated (on, or empty to clear)
- reason: Reason for leaving (one of resignation = Resignation; without-cause = Termination without cause; for-cause = Termination with cause; non-renewal = Non-renewal)
- versus: Second reason for leaving, set beside the first (one of resignation = Resignation; without-cause = Termination without cause; for-cause = Termination with cause; non-renewal = Non-renewal)
- tailResignation: Tail coverage on resignation, as the contract states it (one of unstated = Not stated; physician = Physician pays; employer = Employer pays)
- repayResignation: Bonus repayment on resignation, as the contract states it (one of unstated = Not stated; owed = Owed; waived = Waived)
- tailWithoutCause: Tail coverage on termination without cause, as the contract states it (one of unstated = Not stated; physician = Physician pays; employer = Employer pays)
- repayWithoutCause: Bonus repayment on termination without cause, as the contract states it (one of unstated = Not stated; owed = Owed; waived = Waived)
- tailForCause: Tail coverage on termination with cause, as the contract states it (one of unstated = Not stated; physician = Physician pays; employer = Employer pays)
- repayForCause: Bonus repayment on termination with cause, as the contract states it (one of unstated = Not stated; owed = Owed; waived = Waived)
- tailNonRenewal: Tail coverage on non-renewal, as the contract states it (one of unstated = Not stated; physician = Physician pays; employer = Employer pays)
- repayNonRenewal: Bonus repayment on non-renewal, as the contract states it (one of unstated = Not stated; owed = Owed; waived = Waived)
- state: State whose non-compete conditions to quote (two-letter code, e.g. TX)

Every tool's fields: https://www.joinandwise.com/tool-links.json. The MCP server at https://mcp.joinandwise.com/mcp builds and checks the same link with `prefill_link`.

General information, not legal, tax or financial advice. The site describes what the law and rules say; it does not say whether a clause is enforceable or what you should do.