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MedDebt Calculator vs OvertimePayRate

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

MedDebt Calculator compared with OvertimePayRate
DetailMedDebt Calculator logo MedDebt CalculatorOvertimePayRate logo OvertimePayRate
What it doesFree debt-planning simulator for medical students, residents, and physicians comparing PSLF, refinancing, and aggressive payoff strategies Free overtime pay calculator for all 50 states and DC with state-specific rules and federal FLSA standards
StageNot given Not given
FoundedNot given Not given
Based inNot given Not given
Pricing modelFreemium Free
PricingFree tier: full calculator, all 21 specialty presets, strategy comparison, 3 saved scenarios, 15 AI Co-Pilot questions per day. Pro: $29/month or $199/year (save $150 annually)—adds PSLF payment tracker with reminders, refinancing window alerts, policy change alerts, unlimited scenarios, unlimited A Not given
Key features
  • PSLF vs refinance vs aggressive payoff comparison
  • 21 specialty presets with salary and residency data
  • Real-time chart updates as inputs change
  • PSLF payment tracker (120 qualifying payments)
  • Expert mode for spouse modeling and job change scenarios
  • Disability coverage gap calculator link (MedDisabilityCalc)
  • Dedicated calculation engines for California, Colorado, New York, Alaska, Nevada, and Oregon
  • Daily overtime rules modeling (8-hour and 12-hour thresholds)
  • Double-time (2.0x) pay calculation for extended shifts
  • 7th consecutive day overtime tracking
  • Itemized pay breakdown with legal citations
  • Client-side privacy (no data sent to servers)
  • Deterministic audit hashes for calculation verification
  • Federal FLSA fallback for 45 jurisdictions
What makes it different
  • All data remains on your device; nothing is stored, tracked, or sold
  • Every number traces to published sources (AAMC, Marit Health, studentaid.gov)
  • Built by physicians' advocates with no affiliation to lenders or loan servicers
  • Transparent, deterministic rule engine with no black-box estimations or AI-generated calculations
  • Official government source verification with automated URL auditing
  • Explicit disclosure of coverage gaps instead of misleading claims
  • Handles daily overtime rules that standard 40-hour calculators miss
Community votes00
DR (Domain Rating by Ahrefs)3 no change since last checkNot checked yet no change since last check
Trust Flow (Majestic)10
Citation Flow (Majestic)2613
Referring domains (Majestic)221

4 details filled in for both companies.

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