Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moLate start, high income, six-figure debt — built for the way doctors actually earn.
Residency, the attending bump, six-figure loans, and a compressed savings window. PeakWorth models the entire physician arc — from $250K in loans at 30 to financial independence — with debt-vs-invest, catch-up saving, and disability coverage.
Median med-school debt at graduation
~$235K
Avg attending starting salary
$250K–$400K
Years from debt-free to FI (typical)
12–18
PSLF qualifying loan share
~40% of grads
Sound familiar?
The problems other toolsdon't solve for physicians.
Debt payoff vs investing is a six-figure decision
Aggressively paying $250K of loans or investing the attending bump first can swing your net worth by $100K+. The debt-vs-invest tool weighs both against your actual income and rates.
You started 7 years late
Your peers compounded through residency. The math says you can still hit FI by 55 — and we show exactly what each piece of 'attending lifestyle' trades you in FI years, so you can spend on the ones that matter to you and skip the ones that don't.
Big income, compressed window
You have fewer years to build the same wealth, so contribution and spending choices carry more weight. We model your catch-up saving, tax-advantaged contributions, and the attending-lifestyle trade-offs that decide your FI Age.
What you'll use most
The features that matter most for you.
- Student-debt payoff vs investing
- Catch-up + after-tax 401(k) contributions
- Backdoor + mega-backdoor Roth modeling
- Disability insurance gap analysis
- Attending-lifestyle FI Age trade-offs
- Year-by-year tax-aware projection
Start with a calculator
Quick wins for physicians
Paycheck calculator
Free paycheck calculator. Estimate your real take-home pay after federal tax, FICA, state tax, 401(k), and benefits — for any pay frequency.
Income Growth Projection calculator
Project your salary 5, 10, 20 years out with realistic raise + promotion assumptions. See your lifetime earnings — and what that means for FI.
Total Tax Burden calculator
Add up federal income tax, FICA, state, local, sales, and property tax. See the real % of your income that goes to government.
Savings Rate calculator
Your savings rate is the single most powerful number in personal finance. Find yours, see your time-to-FI, and what each 5% bump unlocks.
Then run a real decision
Decisions physicians face most
Snowball or Avalanche — Which Pays Off Your Debt Fastest?
Compare snowball vs avalanche, see your interest savings, and find the fastest path to debt freedom — and to your FI Age.
Should You Take the Job, the Raise, or the Equity?
Job offer, raise, equity grant, or side hustle? Quantify the lifetime impact of any career move on your retirement and FI Age.
How Much Life, Disability, and Umbrella Insurance Do You Need?
Are you over- or under-insured? Calculate your real life, disability, and liability needs to protect your family and your FI plan.
Start, Buy, or Skip the Business Path?
Quit your W-2 to start a business? Buy an existing business? Compare income paths, retirement options, and risk-adjusted FI Age.
More across the PeakWorth network
Tools, comparisons, and benchmarks beyond physicians.
Scenario
Retire early vs traditional
More saving now buys 15+ extra years of freedom.
Compare
PeakWorth vs Merrill Guided Investing
BofA-stack robo at 0.45–0.85% vs a real plan.
Compare
PeakWorth vs SoFi Automated Investing
SoFi’s 0.25% member robo vs the planning layer above.
Built for
PeakWorth for dual-income households
Joint planning, two careers, one optimal strategy.
Built for
PeakWorth for the sandwich generation
Kids and aging parents at once — see what gives.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Frequently asked
Questions physicians ask first
Does it model PSLF and income-driven repayment?
Not as a dedicated forgiveness engine — PeakWorth doesn't track 120 qualifying payments or project IDR forgiveness. It does model student-loan payoff and the debt-vs-invest trade-off, so you can compare paying down loans against investing with your real numbers.
Does it handle a defined-benefit or cash-balance plan?
There's no dedicated defined-benefit/cash-balance module. You can model the pre-tax contributions as part of your savings, but the plan-specific actuarial caps aren't computed for you.
What about disability insurance?
We surface the income-replacement gap (typical own-occupation policies cover 60–70%) and quantify the FI Age impact of becoming disabled at age 40 vs 50.
See your real PeakWorth in 2 minutes.
Free Quick Start. No credit card. A real projection of where your finances are heading — and exactly which moves change the picture.