Calculators for healthcare professionals
Pick your role and career stage and the list reorders to put the most useful tools first. Your choices stay in your browser.
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.