Calculators
Built for how physicians actually earn, borrow and save. Every one runs on the same 2026 tax and loan rules.
Rules last verified Sep 25, 2026
- RAP & PSLF planner Your payment every year until forgiveness or payoff, across every plan you can choose.
- Take-home pay What you keep after federal, payroll and state tax and rent.
- Transition-year tax The resident-to-attending year: gap months, bonus, withholding and the safe harbor.
- Mortgage & rent vs. buy PITI with physician loans, and whether buying beats renting for your stay.
- Attending Launchpad Fill every tax-advantaged account in order and catch the backdoor Roth trap.
- Pre-tax, Roth or taxable The return a taxable account needs to keep up with your 401(k).
- Pay off loans or invest Both paths, the break-even return, and how often investing wins.
- PSLF, 10-year or pay it off fast The same monthly budget three ways: which leaves you ahead, in today’s dollars.
- Job offer evaluator Total pay, pay per clinical hour, PSLF value and the clauses worth negotiating.
- Disability & life insurance How much coverage your household needs, what your employer covers, and the gap.
- Retirement & part-time When you can stop or slow down, after taxes, health insurance and Social Security.
- Student loan payoff Avalanche vs. snowball, extra payments and refinancing.
- Salary & shift converter Hourly, per shift, per RVU and annual pay, block schedules and moonlighting.
- Pension & cash balance Defined benefit and cash balance plans, and what staying longer is worth.
- What med school really costs Federal loans under the 2026 caps, the private gap and debt at graduation.
- Compare aid offers Award letters side by side: net cost, loans and debt at graduation.
- Application cost planner MCAT, AMCAS, secondaries and interviews, with Fee Assistance.
- Is medicine worth it? A specialty vs. PA school vs. another career, age 22 to 65.