Pricing
Free for every physician.
Pro for those who want more.
The calculator is free forever. Pro adds automated PSLF tracking, proactive alerts, and unlimited AI access.
Free
forever — no credit card
- Full calculator — always free
- Strategy comparison (PSLF, Standard, Aggressive, Refinancing)
- 3 saved scenarios
- 15 AI Co-Pilot questions per day
- Side-by-side comparison (2 scenarios)
- Basic PDF export
- All articles and guides
- PSLF payment tracker
- Refinancing window alerts
- Policy change emails
- PDF with letterhead
- Unlimited scenarios
- Year-by-year projection emails
- Priority AI responses
- Specialty tax strategy
Pro
or $79.99/year — save $40
Cancel anytime · 30-day refund on annual
- Everything in Free
- PSLF payment tracker with reminders — never lose count
- Refinancing window alert — emailed when timing is optimal
- Policy change alerts — IBR, forgiveness rule updates
- PDF export with professional letterhead
- Unlimited saved scenarios
- Unlimited AI Co-Pilot questions
- Side-by-side comparison — unlimited scenarios
- Year-by-year debt projection emails
- Priority AI responses
- Specialty-specific tax strategy
The calculator, strategies, and guides are always free. Pro is for physicians who want the full long-term tracking suite.
Common questions
Everything you need to know
Is the calculator really always free?
Yes — the full calculator, all 21 specialty presets, PSLF comparisons, and strategy modeling are permanently free. No credit card required, no time limit.
Who is Pro designed for?
Residents actively tracking PSLF payments, attendings approaching the optimal refinancing window, or anyone who wants proactive alerts when federal loan policy changes affect their strategy.
What's the PSLF tracker?
Pro members get a dedicated payment tracker that logs each qualifying payment toward the 120-payment PSLF count, sends reminders when certification is due, and alerts you if your employer eligibility changes.
Can I cancel anytime?
Yes. Cancel anytime from your account settings. Annual plans are refunded pro-rata if cancelled in the first 30 days.
Do you offer discounts for residents?
Residents are exactly who we built this for. The free tier is intentionally generous — 15 AI questions/day and 3 saved scenarios cover most residents' needs. Pro is for those who want automated tracking and alerts.