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Built by a physician · Free

Your paycheck, your loans, your contract, your net worth.

One physician account that understands all of them — wRVUs, PSLF, tail coverage, and the year your income triples.

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Verified once, free always.

Start where you areMed studentResidentFellowNew attendingMid-careerApproaching retirement
JSJonathan Shafer, DOBuilt by Jonathan Shafer, DO — Family Medicine· About →

Paycheck Decoder

Example

Monthly take-home

$15,202

$182,424/year · 60.8% of gross

Marginal federal rate: 35% · Effective rate: 21.2%

Monthly breakdown of gross $25,000

Take-home60.8%$15,202
403b/401k8.2%$2,042
HSA1.5%$367
Federal tax21.2%$5,305
FICA5.6%$1,391
State tax2.8%$694

Example: $300,000 gross · single · PA 3.07% · 403(b) $24,500 · HSA $4,400. The decoder’s own output for these inputs — not a member’s paycheck.

What your account holds

The four screens, as they are today.

Net worth, the PSLF Guardian, the clause check and the paycheck decoder — each shown with example figures, each a screen that exists.

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Every figure above is an example. The screens are real, and all four are free.

The whole picture

Four numbers most physicians track in four places. Here they live in one.

Net worth

Every account — assets and debts — resolved into one number that moves as they do.

No more adding up a 403(b), student loans, and a brokerage in your head.

PSLF progress

Your qualifying-payment count and forgiveness projection, tracked month to month.

Including through employer changes, IDR switches, and deferments — the moves that reset most physicians’ counts.

wRVU & contract pacing

Your production tracked against your contract thresholds in real time, all year.

So the year-end bonus is a number you watched build — never a surprise.

Tax-advantaged space

401(k), 403(b), backdoor Roth, and HSA room measured against this year’s limits.

The most consistently missed money in physician finance.

The dashboard pulls these passively through a read-only Plaid connection — or start with the manual-entry tools and see how all of it works before you connect an account. Either way, it costs nothing.

Bring what you already have

Already track it in a spreadsheet? Paste it once. Never open it again.

No templates required. Drop your current tracking sheet exactly as it is — any columns, any order. The AI reads it into clean, typed accounts you can track from then on.

net-worth-2026.xlsxExample
Fidelity 403b187,400retirement
Ally savings42,150savings
Student loans-238,000loan
Vanguard brokerage61,200investment
HSA9,840hsa
AI reads it
Your accounts
Fidelity 403(b)$187,400
Ally savings$42,150
Student loans−$238,000
Vanguard brokerage$61,200
HSA$9,840

You review every row before anything is saved. Included with your free account.

Learn

The curriculum medical school skipped.

64 interactive modules, 307 board-style questions with per-choice teaching points, and 140 in-depth articles — each carrying its author, review date, rule year, and sources. Every lesson is free.

Money Foundations · Lesson 5 of 9

The fee you never see

A fund is just a basket of stocks or bonds. Two funds can hold the same market and still hand you very different outcomes — because a 1% annual fee quietly costs six figures over a career. The number that predicts it isn’t last year’s return; it’s the expense ratio.

expense ratio

The fund’s annual fee, skimmed from your balance every year: 0.04% is $4 per $10,000; 1% is $100.

$100,000 · same 7% market · 30 years — the only difference is the fund’s feeIndex fund · 0.04%≈ $752,600Active fund · 1.00%≈ $574,300≈ $178,000 fee drag0.04% = $4 per $10,000 per year. 1% = $100. The fee compounds against you exactly the way returns compound for you.
Check your understandingReveal answer →

1% vs 0.04% on the same $10,000: $100 vs $4 a year — a $96 difference that repeats every year and compounds against you as the balance grows.

An actual Money Foundations lesson — concept diagrams, tap-to-define terms, high-yield emphasis, and self-checks. Not a wall of text.

Question bank

You learned medicine through questions. Money works the same way.

307 board-style vignettes on loans, contracts, taxes, and investing — single best answer, with a teaching point for every choice, right and wrong. Today’s question is answerable right now, no account.

Try today’s question →

From the library

In-depth pieces on PSLF, contracts, and the decisions that compound across a physician’s career — written and reviewed by physicians. The flagship pieces are free start to finish.

Lifestyle Finance11 min read

Your CME Money Is Either Tax-Free or Wages, and You Should Know Which

An accountable plan under Treas. Reg. 1.62-2 never touches your W-2; a flat stipend with no receipts is taxable wages — and since Section 67(h), overspending buys you no deduction at all.

Written and reviewed by physiciansJul 19, 2026
Contracts13 min read

What a Practice Buy-In Actually Buys, and What It Should Cost

Three valuation approaches decide the number, but the compensation formula, the payment structure, and the symmetry of the buy-out decide whether you ever earn it back.

Written and reviewed by physiciansJul 18, 2026
Retirement & Taxes9 min read

Rebalancing: How Often, Where, and Why It Actually Matters

Rebalancing controls risk; it does not reliably add return. The two triggers that work, where to execute without a tax bill, and the behavioral reason to write the rule down.

Written and reviewed by physiciansJul 17, 2026
Lifestyle Finance12 min read

Part-Time Pays 60 Percent and Rarely Means 60 Percent

Salary is the only thing that scales automatically with the FTE fraction — call, inbox, panel size, benefits eligibility and malpractice tail each follow their own rule.

Written and reviewed by physiciansJul 19, 2026
Contracts12 min read

Your Locums Stipend Is Tax-Free Only If You Have a Tax Home

The tax home follows your work, not your family, and a physician who works locums full time can end up with no tax home at all and every housing dollar taxable.

Written and reviewed by physiciansJul 18, 2026
Lifestyle Finance12 min read

The Ten-Minute Pay Stub Audit, Line by Line

Social Security withholding is supposed to stop mid-year and the 0.9% surtax is supposed to start, both on the same stub — and almost nobody checks either one.

Written and reviewed by physiciansJul 19, 2026

Built by a physician

I’m Jonathan Shafer, 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, because the thing I was actually missing all those years wasn’t a product — it was a straight answer.

Free

Free, with nobody else paying for it.

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. Built and funded by its founder, a practicing family medicine physician. The commitments are written down on the no-conflicts page.

All of it exists today. All of it is free.

Create your physician account →

No ads · No commissions · Nothing to sell you

For residency programs

Give your whole class the financial education they never got — free.

Send us your roster; we enroll every resident and email them a sign-in link. Nothing to maintain.

Request free access

One article. One decision. Tuesday mornings.

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