Physician Finance Hub
Tax Planning + Loan Decisions Built for Physicians
Three questions. We'll show you exactly what matters for your situation — whether you're a resident weighing PSLF, an attending overpaying in taxes, or a practice owner who hasn't looked at their entity structure in years.
Loan Decision Engine
Model PSLF, IDR, and refinancing side by side — with the tax bomb on forgiveness included. Specialty income pre-populated. No login required.
Tax Strategy Screener
61 physician-specific strategies. OBBBA 2026 SALT torpedo detection. Resident Roth window. Private practice vs. employed tax math. Deterministic — no AI call needed for strategy matching.
CPA Prep Packet
Upload your W-2s, 1099s, and K-1s. The system extracts the data, runs a year-over-year ETR comparison, detects missing documents, and generates a structured packet for your CPA.
Who this is built for
- Residents and fellows deciding between PSLF and refinancing — often a six-figure decision made by inaction.
- Early attendings in transition — the year you leave employment for private practice is the most financially exposed year of your career.
- Established attendings who have never had a structured tool to identify what they're missing. The average is $15,000–$60,000 per year.
- Private practice owners who need retirement plan stacking, entity structure analysis, and S-corp compensation benchmarking.
- High-income proceduralists — IR, vascular, orthopedics, cardiology — where the SALT torpedo, NIIT, and qualified plan stacking strategies are most valuable.
What it costs
The loan decision engine is free. The tax strategy screener is free. Strategy matching runs entirely in your browser — no AI call, no data sent anywhere.
The CPA prep packet uses AI to read your documents. That processing uses our OpenAI connection. No documents are stored server-side. Zero data retained.
No account required for any core feature.
Your financial situation is specific. Your tools should be too.
Three questions. Instant routing to what matters most for your career stage and income.
This tool is a tax organizer and financial planning assistant only — not a tax preparer, financial advisor, or legal advisor. All outputs require review by a licensed CPA, EA, or financial professional before any filing or action. Loan scenario modeling uses estimated rates and publicly available salary data — actual results vary. GigHz does not provide investment advice. Affiliate links to loan refinancing partners are shown only when refinancing is mathematically favorable based on your inputs; GigHz may receive a referral fee.
Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated April 7, 2026