Residents & Fellows — Tools, Calculators, and Tax/Investing Resources for Physicians
Training years are cheap years. Don't waste the low tax brackets.
Residents and fellows are paid less than the front-desk staff in some practices — but training years are uniquely valuable. Low income brackets unlock Roth conversions, PSLF eligibility is at its highest leverage, and the time to set up the financial scaffolding is now, not after attending paychecks start. Plus: free access to the AI dictation system you'll use as an attending — three months of GigHz Precision AI in exchange for honest feedback. Here's the stack built for trainees.
Built by a practicing physician-investor. All tools free unless badged otherwise.
Tools, calculators, and resources for Residents & Fellows
Free trust-builders first — clinical tools, then practice rates, then physician finance and investing. Click a tab to focus.
Free tools physicians actually use at the bedside, in the reading room, or before procedures. Built around guidelines, not LLM speculation.
GigHz Precision AI — Free for Residents & Fellows
3+ months free in exchange for feedback. ACR + SIR templates, guideline popups (LI-RADS, Bosniak, Lung-RADS, Fleischner). Apply with PGY year + program.
Apply for Free Access →Clinical Decision Support API — Pogosh
413-condition clinical decision support rule engine. REST API and OpenEMR module.
Learn More →Anticoagulation Guidelines for Procedures
Periprocedural anticoagulation reference for procedures and surgeries. SIR-validated. AI chat.
Open Tool →Physician AI Tools Directory
Working directory of 1,000+ medical AI tools for physicians. 41 specialties, searchable, HIPAA/BAA verified.
Browse Tools →Tax planning, loans, PSLF, and CPA matching — calibrated to physician income, entity structures, and OBBBA-era reality.
PSLF & Loan Strategy
PSLF qualifying employment, IDR plan selection, and the timing rules trainees screw up most. Talk to a physician-focused CPA.
Find a CPA →Physician Finance Hub
Three questions. We show you what matters for your situation — PSLF, taxes, entity structure, OBBBA implications.
Get Your Analysis →Physician CPA Referrals
Matched with a CPA who actually specializes in physician returns. Not a generic accountant.
Find a CPA →Budgeting Calculator
Build a clean monthly budget and cash-flow plan in minutes.
Open Calculator →Real estate, oil & gas, VC/MedTech — DIY decision support and curated white-glove deal flow for physician investors.
Repit — Investment Decision Support (DIY)
ZIP-level housing data, rents, appreciation, vacancy, and investment ratings. The clinical decision support equivalent for real estate — see the data, run the numbers, deal-hunt yourself.
Open Repit →GigHz Capital — Hands-Off Real Estate
Curated deals come to you — Dallas, Los Angeles, New York development and stabilized projects, syndications, and 1031 options. White-glove version of Repit for physicians who want exposure without the hunt.
Talk to Capital →Real Estate Investing Calculator
Model purchase price, rents, expenses, and cash-on-cash assumptions for any deal.
Open Calculator →Graham–Buffett Margin of Safety Calculator
Stress-test value vs. price and build a margin of safety habit before committing capital.
Open Calculator →VC & MedTech Upside vs. Downside Calculator
Model asymmetric outcomes and dilution-aware expectations for early-stage and medtech bets.
Open Calculator →Oil Investment Calculator
Estimate scenarios and understand the shape of outcomes for oil & gas tax-advantaged investments.
Open Calculator →Newsletter signup and custom project intake — tell us what you're working on.
Have a project in mind?
Custom tools, integrations, advisory, or anything you don't see here. Tell us what you're working on.
Talk to Us →Tax & Finance Angles for Residents & Fellows
Specialty-specific tax and investing topics that apply directly to Residents & Fellows practice economics. Not generic 'physician tax tips' — these are calibrated to your specialty's actual income mix, equipment requirements, and practice ownership reality.
PSLF Qualifying Employment
At a 501(c)(3) hospital, every PGY year counts. File the Employer Certification Form annually to lock in qualifying months — and don't accidentally consolidate or refinance into a non-qualifying loan.
Roth Conversions in Low-Bracket Years
PGY-1 through fellowship is the lowest tax bracket you'll see for 30+ years. Convert traditional retirement balances to Roth now while the tax cost is minimal.
Own-Occupation Disability Insurance
Lock in a true own-occupation policy as a resident at the lowest premium of your career, before specialty designation drives the rate up. Specialty-specific own-occ language is non-negotiable.
Roth IRA + Backdoor Setup
Resident salaries usually fit under the Roth IRA contribution income limits. Open and fund directly. Above the limit? Set up the backdoor pathway now so you're ready as an attending.
Universal Physician Tax Strategies
These apply across most specialties — high earners in any clinical field benefit.
The SALT Deduction Cap & Where You Buy Real Estate
The state and local tax (SALT) deduction cap of $10,000 is one of the most consequential decisions for physicians in California, New York, New Jersey, and Illinois. Tied directly to where you buy a primary residence vs. invest in real estate out-of-state for depreciation.
Charitable Bunching & Donor-Advised Funds
The 2017 tax reform doubled the standard deduction and made annual charitable giving less tax-efficient for most. Bunch 3 to 5 years of giving into a single year via a Donor-Advised Fund to clear the itemization threshold and maximize the deduction.
Investment Interest Expense Deduction
Borrowing to fund a real estate syndication, surgery center buy-in, or other partnership-distribution generator? The interest may qualify as deductible investment interest expense against passive income — often missed.
These are educational summaries, not tax advice. Specialty-specific structures interact with your overall income, state, partnership terms, and personal situation — work with a physician-focused CPA before structuring. Find a CPA →
Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated May 12, 2026