⚙ Physician Finance & Taxes A decade of training, zero hours on the tax and debt machinery that quietly decides what your income actually builds. Part of Physician Ownership →
    💰 Physician Ownership

    Physician wealth-building calculators

    One free, browser-based tool for every step of building wealth as a physician — earn, protect, own, grow. Run the numbers yourself and see the signal before a mistake gets expensive. No login, no sales.

    Estimates for education, not advice. Many are referenced inside the free Financial Clarity for Physicians course.

    Earn — the foundation

    Get the cash flow, net worth, and target right before anything else moves.

    Physician Wealth Scorecard

    12 questions, 4 scores — see where your finances are strong and where you're leaking money.

    Start

    Budgeting Calculator

    Map physician cash flow — income, loans, taxes — and see what's actually left to build wealth.

    Open

    Physician Net Worth Tracker

    What you own minus what you owe, your allocation, and a physician-adjusted benchmark.

    Open

    Financial Independence Calculator

    Your FI number and how close you already are — with real comp and tax-bomb inputs.

    Open

    Retirement Age Calculator

    Find the age work becomes optional, from savings, contributions, and target income.

    Open

    Affordability Calculator

    How much house can you really afford after loans, taxes, and a late earning start?

    Open
    Protect — debt, PSLF & tax structure

    Close the loan and entity decisions that quietly decide what your income keeps.

    PSLF Calculator

    Model PSLF with the forgiveness tax bomb included, before you lock in a repayment path.

    Open

    IDR vs PSLF Comparison

    Compare income-driven repayment against PSLF, side by side, on your numbers.

    Open

    Loan Refinance Calculator

    See whether refinancing beats PSLF for your balance, rate, and timeline.

    Open

    S-Corp Compensation Calculator

    Find the reasonable-salary split that holds up and trims the self-employment tax drag.

    Open

    Entity Structure Calculator

    Compare sole-prop, S-corp, and entity options for 1099 and practice income.

    Open
    Own — real estate

    Underwrite the biggest financial bets you make — your home and your rentals.

    Rent vs Buy Calculator

    The real month-by-month math on buying versus renting and investing the difference.

    Open

    Real Estate Investing Calculator

    Stress-test cash flow, cap rate, and total return before you wire the deposit.

    Open

    Rental Property Calculator for Doctors

    Underwrite a rental line by line — cash-on-cash, the way a buyer should.

    Open

    House Hack Calculator

    Model living in one unit and renting the rest to carry your housing cost.

    Open
    Grow — investing & markets

    Model the longshot honestly — then check whether it's even priced sanely.

    Graham–Buffett Margin of Safety

    Stress-test value versus price — the discipline that counters the longshot reflex.

    Open

    VC & MedTech Upside vs Downside

    Model the asymmetric, dilution-aware medtech bet before you write the check.

    Open

    VC Fund Return Calculator

    Model fund-level returns, the J-curve, and carry across a portfolio of bets.

    Open

    Oil Investment Calculator

    Estimate scenarios and the IDC tax characteristics behind working interests.

    Open

    Ready to put it to work?

    Calculators show you the decision. The Physician Ownership hub is where the tools, advisory, and deals live — facility ownership, real estate, investing, and tax.

    Physician Ownership hub → Capital Strategy Intake

    Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated April 7, 2026

    Part of the GigHz library: systems doctors were never taught.