Financial Calculators for Physicians

Free tools for student loans and PSLF, mortgages, retirement, taxes, insurance, and practice decisions. Sign in and they start from your own numbers.

0-9

Planning Essentials

529 College Savings

Estimate education savings needs and state tax benefits.

A

Advanced Strategy

Asset Allocation

Recommend portfolio mix based on career stage and risk.

B

Planning Essentials

Backdoor Roth Guide

Step-by-step tool to execute a Backdoor Roth IRA correctly.

Advanced Strategy

Burnout Financial Impact

Calculate the cost of reducing hours vs full-time income.

C

Planning Essentials

CME Budget & Tax Deduction

Track expenses and calculate tax deductions for CME.

High Impact Financial Tools

Contract Analyzer

Evaluate your total compensation against specialty averages.

Planning Essentials

Credit Card Rewards

Optimize points strategy for high-spend CME travel.

D

Planning Essentials

Debt-to-Income (DTI) Ratio

Check mortgage approval odds with physician loan flexibility.

Planning Essentials

Disability Coverage

Estimate how much coverage you need to protect your future income.

E

Protection & Specialty Specific

Emergency Fund Calculator

Determine 3-6 month targets factoring in high income needs.

H

Planning Essentials

HSA Contribution

Tax savings estimator for maximizing your HSA.

I

Planning Essentials

IDR Plan Comparison

Compare RAP, IBR, PAYE, and ICR monthly payments side by side.

L

Planning Essentials

Life Insurance Needs

Calculate income replacement needs and term vs whole life.

Protection & Specialty Specific

Locum Tenens Rate Calculator

Compare daily rates by specialty and calculate true take-home pay.

M

Protection & Specialty Specific

Malpractice Insurance

Estimate premiums by specialty and compare claims-made vs occurrence.

Planning Essentials

Match Day Budget

Moving cost estimator and resident budget planner.

Protection & Specialty Specific

Moonlighting Income Optimizer

Calculate true hourly rates and tax implications for extra shifts.

N

Planning Essentials

Net Worth Tracker

Track assets and liabilities to monitor your wealth building journey.

P

Planning Essentials

Partnership Buy-In

Calculate ROI on partnership investment and buy-in structures.

Protection & Specialty Specific

Physician Budget Builder

Build a monthly budget on a resident or attending salary, with loans and insurance included.

Advanced Strategy

Physician Career Path

Compare lifetime earnings: Academic vs Private vs Locums.

High Impact Financial Tools

Physician Mortgage Calculator

Compare conventional vs physician loan savings with 0% down and no PMI.

Protection & Specialty Specific

Physician Pay Benchmark

Compare your pay with the 2026 Doximity, Medscape and SalaryDr figures for your specialty.

High Impact Financial Tools

Practice Valuation

Estimate practice purchase price and ROI on ownership.

Protection & Specialty Specific

PSLF Calculator

Track qualifying payments and compare forgiveness vs refinancing.

R

Advanced Strategy

Real Estate Investment

Rental property ROI and tax benefits for physician investors.

Planning Essentials

Refinancing Break-Even

Calculate time to recoup refinancing closing costs.

High Impact Financial Tools

Retirement Savings Calculator

Account for late starts (residency) and high catch-up potential.

S

Advanced Strategy

S-Corp Tax Savings

Estimate SE tax savings vs. lost QBI and admin costs for 1099 locums.

Advanced Strategy

Specialty ROI Calculator

Compare debt vs income and payoff years by specialty.

Planning Essentials

Student Loan Payoff

Calculate savings with different repayment and refinancing options.

Planning Essentials

Student Loan Tax Deduction

Calculate eligibility and phase-outs for interest deductions.

T

High Impact Financial Tools

Take Home Pay Calculator

Calculate your true net income after federal, state, and payroll taxes.

High Impact Financial Tools

Tax Withholding Estimator

Estimate quarterly taxes for 1099 moonlighting and locums work.