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Your first attending year, in one picture

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Attending · Hospitalist
Married, filing jointly
2 dependents
Illinois
$250,000 federal loans · PSLF 36/120
Tax year 2026

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Available to spend $1,871/mo $22,457/yr after every bill and savings goal

Gross $360,000

Tax $79,721 22.1%

Saved $83,750 23.3%

Where every dollar goes

Where every dollar goes
From	To	Amount
Your W-2	Gross	$300,000
Spouse W-2	Gross	$60,000
Gross	Federal tax	$44,408
Gross	FICA	$21,163
Gross	Illinois tax	$14,150
Gross	Pre-tax savings	$62,750
Gross	Net pay	$217,529
Net pay	Loans · RAP	$28,525
Net pay	Housing · PITI	$61,547
Net pay	Childcare	$24,000
Net pay	Living costs	$60,000
Net pay	After-tax saving	$21,000
Net pay	Available to spend	$22,457

From gross pay $360,000

From net pay $217,529

Loans · RAP $28,525
Housing · PITI $61,547
Childcare $24,000
Living costs $60,000
After-tax saving $21,000
Available to spend $22,457

Taxes use: Shared 2026 tax engine
Loans use: RAP & PSLF planner
Housing uses: Mortgage calculator (PITI)

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Ranked by deadline, then dollar impact. Educational scenarios, not personal advice.

Backdoor Roth: the pro-rata rule applies
By Dec 31

Your spouse’s $18,000 pre-tax IRA makes 71% of this year’s conversion taxable. Rolling it into a current 401(k) that accepts roll-ins is the common way around it; rolling a 401(k) into an IRA does the opposite.

≈ $1,271 federal tax at stake Launchpad
Disability coverage gap

If you couldn’t work, group coverage would leave the household about $4,106 a month short. Many physicians look into an individual own-occupation policy; enter a quote to see it in the plan.

$4,106/mo of income unprotected Insurance
Housing is your biggest lever

A $550,000 home instead of $650,000 drops PITI from $5,129 to $4,371 a month on the same physician loan.

+$758/mo to spend or invest Mortgage
Filing jointly comes out ahead

Filing separately would cut your RAP payment by $5,500 a year but add about $7,171 in federal income and Medicare tax.

MFJ is $1,671/yr better RAP planner
PSLF is on track

84 qualifying payments left on RAP. Recertifying each year, and certifying employment with each job change, keeps them counting.

≈ $127,860 forgiven tax-free, 2033 Details
Retirement odds: 70%

Stopping at 60, your money lasts to 95 in 70% of simulated markets. Planners often aim for 85% or more; saving more, guardrails or a later stop move it most.

70% → 85%+ Retirement
Low-bracket years ahead

From 65 to 74 you’d be in the 12% bracket with pre-tax money left. Roth conversions in those years can lower lifetime tax and future RMDs. The pro-rata rule still applies to anyone doing backdoor Roths.

Lower lifetime tax Retirement
Next dollar: mega backdoor Roth

You max the 403(b), HSA and 457(b). If your plan allows after-tax contributions, up to $47,500 more can go Roth, minus employer contributions.

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Every calculator feeds this plan

RAP & PSLF planner $2,377/mo Mortgage $5,129/mo Rent vs. buy 6 yr 5 mo Attending Launchpad 1 alert Income tax $79,721 Retirement 70% Transition-year tax Done Compare 2 scenarios

Sample profile shown.

Your first attending year, in one picture

Where every dollar goes

Optimize

Backdoor Roth: the pro-rata rule applies

Disability coverage gap

Housing is your biggest lever

Filing jointly comes out ahead

PSLF is on track

Retirement odds: 70%

Low-bracket years ahead

Next dollar: mega backdoor Roth

Every calculator feeds this plan