Financial calculators for early-career clinicians
The first raise after training is the biggest you'll ever get. These tools help you keep more of it.
- Student Loans & PSLFPSLF Forgiveness CalculatorEstimate what you'll pay and how much PSLF could forgive after 120 qualifying payments.
- Training YearsMoonlighting Take-Home CalculatorEstimate what you keep from moonlighting shifts after taxes and costs.
- 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.
- 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.
- InvestingFinancial Advisor Fee CostCompare the lifetime cost of a percentage (AUM) fee to a flat-fee advisor.
- 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.
- Practice OwnershipPractice BreakevenFind the visits or revenue needed to cover fixed and variable costs.
- Career TransitionsLocum Tenens vs Employed IncomeCompare locums take-home with an employed role after taxes and benefits.
- Student Loans & PSLFStudent Loan Payoff TimelineFind your payoff date and total interest at any monthly payment.
- TaxesHealthcare Take-Home PayEstimate your paycheck after federal, state, FICA and pre-tax deductions.
- RetirementFI Number CalculatorFind the portfolio size that could support your spending for life.
- InvestingCompound Growth CalculatorSee how regular investing compounds over time.
- HousingRent vs BuyCompare the long-term cost of renting and buying.
- 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.
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.
- W-2 vs 1099 for clinicians: what to know before you signA higher hourly rate isn't always more money. Here's how to compare contractor and employee offers fairly.
- Disability insurance basics for healthcare workersYour ability to work is worth millions. Here's how to protect it without paying for features you don't need.
- The backdoor Roth IRA, step by stepEarn too much for a Roth IRA? You can still get one. Here's the process, and the one rule that trips people up.
- Emergency funds for shift workers, per-diem and travel staffIrregular shifts and contracts call for a bigger cushion. Here's how to size it and build it without feeling squeezed.
- How RVU pay works: a plain-English guideConversion factors, thresholds and ramp-ups explained, plus the questions to ask before you sign.
- Buying a home in healthcare: timing, loans and a comfortable budgetLenders will approve you for a lot. Here's how to buy a home that fits your life, not just your loan approval.
- Thinking about owning a practice? The numbers to know firstOwnership can pay off — financially and personally. These five numbers tell you whether a practice can support you.