GigHz Physician Finance Hub

What it is

A unified browser-based financial planning platform built for physicians, combining a student-loan decision engine and a tax strategy screener in one interface. No login, no paywall on the core features, no API key.

Monetization sits downstream on purpose. Refinance affiliate cards appear only when refinancing is mathematically the better answer, and CPA and advisor referrals route through GigHz intake. The tool has no reason to steer you.

The three-question router

Three questions — biggest financial concern, career stage, desired outcome — route residents, attendings and practice owners to the module that matters for them. Income entered in the loan engine pre-fills the tax screener, so nothing gets typed twice.

Loan Decision Engine

• Pure client-side calculation. No API calls, nothing leaves the browser.
• Pick a specialty and the tool pre-populates estimated income from published salary data (Doximity, AAMC, BLS), fully overridable.
• Models three scenarios side by side: the PSLF path where eligible, income-driven repayment without PSLF, and refinancing.
• Each scenario shows total paid over ten years, forgiveness amount, tax owed on the forgiven balance, and net cost. The tax on forgiveness is the line most calculators leave out entirely.

Tax Strategy Screener

• 61 strategies across 14 categories, matched by deterministic rule logic rather than a model call.
• 28 profile questions with plain-English explainers, plus auto-fill from uploaded documents.
• Physician-specific strategies generic tools do not surface: malpractice tail insurance timing, DEA, CME and board fee deductibility, qualified plan stacking across 401(k), cash balance and HSA, the resident Roth conversion window, and moonlighting self-employment tax planning.
• Detection of the SALT deduction phaseout band, where each additional dollar of income carries a much higher effective marginal rate than the bracket suggests, with income-smoothing steps surfaced. Confirm the current-year thresholds with your CPA — this part of the code moves.

CPA Prep Packet

Upload prior- and current-year documents. Structured extraction from W-2s, 1099s, K-1s, 1040s and other common forms auto-fills profile questions, runs a year-over-year effective tax rate comparison, flags missing documents with severity ratings, and outputs a packet your CPA can actually work from.

No data is retained server-side.

Informational only. Not investment, medical, legal, or tax advice. GigHz or its founder may hold a position in the company discussed — see the disclosure above.

Written and reviewed by Pouyan Golshani, MD — April 2026