Your PSLF count, paycheck, contract and net worth, in one free account.
An account that knows how physicians are paid: wRVUs, PSLF, tail coverage, the year your income triples. For medical students, residents and attendings. Free core platform. No ads, commissions, referrals, or data sales.
Inside today: 64 interactive modules307 board-style questions140 articlesFamily Medicine median $244,180 (BLS, 2025)
The PSLF Guardian, with example figures. It is one of the four screens in the account.
What is in the account
Four screens, shown with example numbers.
Net worth, the PSLF Guardian, the clause check and the paycheck decoder. These are the actual screens; only the figures are examples.
Every figure above is an example. The screens are real, and all four come with a free account.
Built for every stage of a career in medicine.
Seven in ten physicians leave medical school in debt, and the median for those who do is $205,000. The AAMC\u2019s own repayment scenarios for that balance run from about $133,000 paid under PSLF to as much as $455,000 without it, over ten to twenty-three years. The difference is decided by paperwork nobody teaches, and it shapes the first fifteen years of a career. Every screen here exists to get it right.
The same account, from the first loan to the first contract to the year the income triples. Pick your stage and the curriculum starts there.
Medical students
Median education debt for the indebted class of 2024 was $205,000. The loan modules cover the repayment plans and PSLF before the first payment is due, the question bank is written like board questions, and every specialty’s pay page is open before you rank a list.
Lessons for medical studentsResidents and fellows
Payments made during training at a qualifying employer count toward the 120. The PSLF Guardian keeps that count and checks the employer. The contract check reads a first offer clause by clause, and the moonlighting calculator shows what a shift is worth after tax.
Lessons for residentsAttendings
The paycheck decoder reads the stub. The wRVU tracker multiplies your rate by your own production. Net worth resolves every account into one number, and retirement pacing shows the 401(k), 403(b), backdoor Roth and HSA room left this year.
Lessons for attendingsWhat the account keeps track of
- Net worth
Every account, assets and debts, resolved into one number that moves as they do.
No more adding a 403(b), student loans and a brokerage account in your head.
- PSLF progress
Your qualifying-payment count and forgiveness projection, month to month.
Through employer changes, IDR switches and deferments, which is where most counts go wrong.
- wRVU and contract pacing
Your production against your contract thresholds, all year.
So the year-end bonus is a number you watched build.
- Tax-advantaged space
401(k), 403(b), backdoor Roth and HSA room against this year’s limits.
The money physicians most often leave on the table.
Balances come in through a read-only Plaid connection, or you type them in. Try the manual tools first if you want to see how it works before connecting anything. Either way it costs nothing.
If you already keep a spreadsheet, paste it in.
Any columns, any order. It gets read into accounts you can keep tracking here, and you check every row before anything is saved.
Included with a free account.
What the account is built around
Built around the way physicians actually get paid.
A general finance app starts at the budget. A physician’s money starts at the contract, and each step decides the next. The account keeps the chain together.
- 01Contract →Rate, threshold, tail coverage, non-compete — read clause by clause before you sign.
- 02wRVUs →Your production against the contract’s threshold, all year, so the bonus is a number you watched build.
- 03Paycheck →When Social Security tax stops, whether the Medicare surtax will surprise you, whether the deferral fills the limit.
- 04Taxes →Brackets, the backdoor Roth, the HSA, moonlighting as 1099 income — this year’s figures, sourced.
- 05Student loans →PSLF months counted and checked; RAP, IBR and the plan sunsets; the buyback for lost months.
- 06Retirement →Contribution pacing against the 401(k)/403(b), 457(b), IRA and HSA limits, from your connected accounts.
- 07Net worth →Every account, assets and debts, resolved into one number that moves as they do.
Learning it
The lessons, in order.
64 short interactive modules, 307 practice questions and 140 longer articles. Each one carries its review date, the tax year it was checked against, and its sources. All of it is free.
An actual Money Foundations lesson — concept diagrams, tap-to-define terms, high-yield emphasis, and self-checks. Not a wall of text.
64 interactive modules. Every lesson is free.
64 modules · 587 lessons · 16 hours of curriculum, all free to read — plus in-depth articles below.
Practice questions, written the way board questions are.
307 vignettes on loans, contracts, taxes and investing. One best answer, and a short explanation of why each of the other choices is wrong. Today’s question is open to anyone.
Try today’s questionRecent articles
Longer pieces on PSLF, contracts, taxes and the decisions that compound over a career. Each one is dated and sourced.
From the founder
I’m a practicing family medicine physician. I built Attending Financial because the financial education I needed at every stage, medical school, residency, first contract, first attending paycheck, didn’t exist in a form I could trust. What did exist was sold to me: by commissioned advisors in hospital break rooms, by recruiters, by “physician-focused” content that was a funnel with a stethoscope in the header.
So the rules here are the ones I wanted as a resident. Nothing is sold. Nothing is sponsored. Every number has a source. And it’s free.
Built by Jonathan Shafer, DO — Family Medicine· About →Why it is free
No ads. No commissions or referral fees from any lender, insurer, brokerage or fund company. No placement fees, and your financial information is never sold. It is built and funded by its founder, a practicing physician. The commitments are written down on the no-conflicts page.
That is the whole thing.
Make an account when you are ready, or read a lesson first and decide later. Both are free.
No ads · No commissions · Nothing to sell you
Residency programs
Send a roster and every resident gets an account.
We enroll the class and email each resident a sign-in link. Nothing for the program to maintain, and nothing to pay.
One article, Tuesday mornings
One physician-finance article a week. Unsubscribe any time.