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.
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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.
Topics
Browse by topic
Twelve areas of money that matter most in a healthcare career.
- 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.
Guides
Latest guides
Short, practical reads on the decisions that come up most.
- 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.
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