The first attending decision swings $100K+. Don't make it on a generic financial calculator.
$250K–$400K in student debt, no decisions made outside deferment, and the resident-to-attending transition forces you to choose: PSLF or refinance? Married-filing situation? Entity structure? Most physicians make these calls without a model that understands physician income.
Free, no-account loan decision engine and tax strategy screener built specifically for physician compensation — W-2, 1099, partnership, moonlighting, the works. PSLF vs. refinancing with the tax bomb included. Generates a CPA prep packet for your first advisor meeting.
Where physician finance breaks
Generic financial tools weren't built for how physicians actually get paid. Three places that costs real money:
PSLF math without the tax bomb
Most online calculators show monthly payment difference. None show the lump-sum federal-tax liability when forgiveness lands. The decision flips in many physician scenarios once that number is in the model.
Generic CPAs missing six figures
Most CPAs do adequate physician returns and miss $10K–$40K in annual optimization — backdoor Roth, REPS, K-1 mechanics, PSC elections, OBBBA SALT torpedo. Not negligence; it's specialty knowledge they don't have.
Compounding bad foundation
Entity structure, estimated taxes, real estate leverage, retirement vehicles — all stacked on a financial foundation that wasn't built. Five years in, the cleanup costs more than the original decision would have.
What the Hub gives you
Three structured outputs in under 15 minutes. No account, no payment, no email gate.
PSLF vs. refinance — with the tax bomb
Side-by-side lifetime cost. PSLF qualifying employment, IDR plan selection, refinance break-even, and the year-of-forgiveness federal tax liability. The model that flips most physicians' priors.
Run the model →61 physician-specific strategies, screened against your profile
Backdoor Roth, mega-backdoor, REPS qualification, PSC vs. S-corp, married filing jointly vs. separately, SSTB phase-out, OBBBA 2026 SALT torpedo, charitable bunching. The screener tells you which apply, which don't, and why.
Screen strategies →Employed vs. private practice vs. contractor
How your income mix (W-2, 1099, partnership distributions) interacts with entity choice. The actual after-tax delta — not generic 'should I be an S-corp' content from a personal-finance blog.
Run the analysis →Walk into your first advisor meeting with structure
Generated PDF summarizing your situation, candidate strategies, and questions to ask. Most CPAs charge to assemble this; you bring it. Conversation gets four meetings ahead in one visit.
Generate packet →Why this isn't a White Coat Investor blog post
Built around physician income mechanics
W-2 + 1099 split, moonlighting income, partnership K-1s, PSC elections, contract structures — all first-class inputs, not edge cases.
OBBBA 2026 already in the model
SALT torpedo detection, expiring TCJA provisions, and the OBBBA-era physician-specific changes are encoded — not waiting for next year's blog post.
Free. No account.
No email gate. No upsell to a $5K planner. The Hub exists because every physician deserves access to a structured first model — and most generic CPAs won't build one for free.
Two ways forward
🚀 Launch the Hub
15-minute screener. Free, no account. Generates a structured analysis and a CPA prep packet you can take to your first advisor conversation.
Run the analysis →🤝 Get matched with a CPA
Curated referral network of physician-focused CPAs — vetted, licensed by state, matched to your archetype + entity. Free matching, no referral fees.
Find a CPA →Common questions
Is this for residents, attendings, or both?
Both. Residents and fellows benefit most from the PSLF / refi screener and the entity structure module pre-attending. Mid-career attendings benefit most from the strategy screener — the Hub usually surfaces three to five strategies that aren't being used.
Will the Hub tell me what to do?
It surfaces structured analysis and trade-offs. The Hub does not provide tax or legal advice — it's an educational decision-support tool. The matched-CPA path is for when you need actual advice.
What's the OBBBA SALT torpedo?
A specific interaction in the OBBBA-era tax code where higher-income filers see effective marginal rates spike across a phase-out band — particularly relevant in high-tax states. The Hub flags whether your projected income lands in the torpedo zone.
Why is it free?
Because most physicians don't have access to good first-pass financial structure, and the cleanup five years in is more expensive than getting it right. The Hub is part of GigHz's broader thesis that physicians make better decisions when they have the data.
Stop guessing on the first attending decision.
Free, no account, 15 minutes. Walk away with a structured PSLF/refi answer, a strategy shortlist, and a CPA prep packet.
Educational decision-support tool. Not tax, legal, or financial advice. Verify any strategy with a qualified CPA or tax attorney before relying on it. A GigHz product. Built by Pouyan Golshani, MD.
Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated April 7, 2026