For every role in healthcare
Less money stress, more room for patient care.
Free calculators, plain-English guides and recommendations built around how physicians, dentists, NPs, PAs, nurses, pharmacists and allied health professionals are actually paid.
Start with what's on your mind
Set your role and stage once — every page on the site uses it to sort, pre-fill and highlight.
Financial Calculators
- Student Loans & PSLFPSLF Forgiveness CalculatorEstimate what you'll pay and how much PSLF could forgive after 120 qualifying payments.
- Student Loans & PSLFStudent Loan Payoff TimelineFind your payoff date and total interest at any monthly payment.
- Training YearsMoonlighting Take-Home CalculatorEstimate what you keep from moonlighting shifts after taxes and costs.
- Training YearsResident Budget PlannerBuild a monthly budget that fits a resident or fellow salary.
- Compensation & ContractsEffective Hourly RateFind your true hourly rate including charting, call and admin time.
- Compensation & ContractsJob Offer ComparisonCompare two offers on pay, benefits, cost of living and loan help.
- Compensation & ContractswRVU Compensation CalculatorEstimate pay from wRVU volume, conversion factor and thresholds.
- TaxesQuarterly Estimated Tax CalculatorEstimate quarterly payments for 1099, moonlighting or practice income.
- TaxesHealthcare Take-Home PayEstimate your paycheck after federal, state, FICA and pre-tax deductions.
- TaxesW-2 vs 1099 Take-HomeCompare take-home pay as an employee versus an independent contractor.
- Retirement403(b) Growth CalculatorProject your 403(b) balance with contributions and employer match.
- RetirementBackdoor Roth IRASee what a yearly backdoor Roth grows to, tax-free — and whether the pro-rata rule applies.
- RetirementFI Number CalculatorFind the portfolio size that could support your spending for life.
- InvestingFinancial Advisor Fee CostCompare the lifetime cost of a percentage (AUM) fee to a flat-fee advisor.
- InvestingCompound Growth CalculatorSee how regular investing compounds over time.
- InsuranceDisability Insurance NeedEstimate the monthly benefit you'd need if you couldn't work.
- InsuranceLife Insurance Need (DIME)Estimate coverage from debts, income, mortgage and education goals.
- HousingPhysician Mortgage CalculatorEstimate payments and qualification for a low-down-payment professional loan.
- HousingRent vs BuyCompare the long-term cost of renting and buying.
- Practice OwnershipPractice BreakevenFind the visits or revenue needed to cover fixed and variable costs.
- Practice OwnershipOverhead RatioCalculate your overhead ratio and compare it to typical ranges.
- Cash Flow & DebtDebt Payoff PlannerPlan a payoff order and date across all your debts.
- Cash Flow & DebtEmergency FundSet an emergency fund target based on job stability and expenses.
- Family & LifeChildcare CostEstimate childcare costs around shift work, call and two careers.
- Career TransitionsLocum Tenens vs Employed IncomeCompare locums take-home with an employed role after taxes and benefits.
Browse by topic
- Student Loans & PSLFRepayment plans, PSLF, refinancing and forgiveness.
- Training YearsBudgets, moonlighting and money moves during school and residency.
- Compensation & ContractsRVUs, offers, bonuses and what your time is really worth.
- TaxesTake-home pay, W-2 vs 1099, quarterly estimates and deductions.
- Retirement403(b), 457(b), backdoor Roth and your FI number.
- InvestingGrowth, fees, allocation and net worth.
- InsuranceDisability, life, malpractice tail and health plans.
- HousingPhysician mortgages, rent vs buy and affordability.
- Practice OwnershipStartup, buy-in, breakeven and overhead.
- Cash Flow & DebtBudgets, emergency funds and paying off debt.
- Family & LifeChildcare, college, part-time and life changes.
- Career TransitionsLocums, relocation, nonclinical moves and early retirement.
Latest guides
- A practical plan to reduce money stress for healthcare workersYou take care of everyone else. Here's a simple, five-step plan to take some weight off your own shoulders.
- PSLF and student loans in 2026: what changed for healthcare workersA new repayment plan, new borrowing limits and the same 120-payment PSLF rule. Here's what matters if you work in healthcare.
- Your first year after training: a calm money checklistThe biggest raise of your career is coming. Ten steps to make it count without feeling deprived.