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Try the calculator free — no email requiredSuhin Nallagatla
Co-founder, MedDebt · UC Berkeley, Class of 2030 (premed)
Suhin built MedDebt to give medical students the loan modeling tools that financial planners charge $500+ to provide. He tracks federal student loan policy, IDR regulations, and physician personal finance so you don't have to.
Frequently asked
What is the average net worth of a physician at age 45?
The average physician net worth varies widely by specialty. According to Medscape's Physician Wealth Report, median physician net worth at age 45 is between $1M–$1.5M. Orthopedic surgeons and subspecialty surgeons often exceed $2M, while primary care physicians typically fall in the $700K–$1.1M range.
Which specialty has the highest physician net worth?
Orthopedic surgeons, neurosurgeons, and plastic surgeons consistently rank highest in net worth due to incomes exceeding $600K–$900K annually, combined with manageable loan-to-income ratios. Dermatologists and anesthesiologists also rank high for the same reasons.
Why do some physicians with high salaries have negative net worth?
High medical school debt ($200K–$400K) combined with high-interest rates (6–8%) means physicians can have hundreds of thousands in accruing interest during residency — even with income-driven repayment. Negative net worth at graduation is common. The loan-to-income ratio at graduation is the most important predictor of financial recovery speed, not gross salary alone.
Disclosure: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Loan program details change — always verify current rules on studentaid.gov. MedDebt may earn a referral commission if you refinance through links on this site.