Calculator
What is your financial position right now?
Net worth is the single most important snapshot of your financial health. Enter your assets and liabilities to see where you stand today.
Net Worth Calculator
Assets minus liabilities equals your true financial position
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A personalized plan shows you where your dollars work hardest: loan payoff, retirement savings, or taxable investing.
Schedule a Complimentary ConsultationWhy physicians often have a negative net worth early in their careers
The average medical school graduate carries $200,000-$300,000 in student loan debt. Combined with minimal savings during residency, a negative net worth at age 30-32 is entirely normal and expected for physicians. The trajectory matters more than the current number.
What separates physicians who build wealth from those who struggle is not income: it is savings rate and strategy in the first 3-5 attending years. The income jump from residency to attending creates a brief, powerful window to build a strong financial foundation before lifestyle inflation takes hold.
Track your net worth quarterly. The trend line matters more than any single data point. A physician whose net worth grows from -$280,000 to +$150,000 over five years is doing exactly the right things, even if the number itself seems modest.