For medical residents, fellows, and trainees

Plan your training years.
Then plan your wealth.

The honest financial planner for residents and fellows. Model your taxes, AGI, student loans (IBR / PAYE / SAVE / PSLF), and net worth across training and your first decade as an attending — all live, all in one place.

2026 federal brackets All 50 states + cities 5 loan strategies compared Net worth projection
Select year:

Income Snapshot · Year 1

Tax Snapshot · Year 1

How to use this: Adjust the inputs in the sidebar and watch every number recompute live. The other tabs drill into taxes (with bracket-by-bracket detail), monthly budget breakdown, loan strategies (all 5 compared), the multi-year net worth projection, and personalized recommendations.

Bracket-by-Bracket Federal Tax

Income · Pre-Tax · Take-Home

Expenses & Savings

Surplus & Savings Rate

Loan Balance Over Time ·

Side-by-side comparison. Total cost = sum of payments + estimated tax owed on non-PSLF forgiveness. PSLF forgiveness is tax-free.

Loan Balance Across All Strategies

Net Worth by Account Type

401(k) Roth IRA Brokerage HYSA Loan Debt Net Worth

Year-by-Year Detail

Why this configuration is optimal

Common pitfalls for medical trainees