Physician Salary Comparison Calculator

A FIRE calculator (Financial Independence Retire Early) helps you calculate when you can retire early by achieving financial independence. It factors in your current income, expenses, savings rate, investment returns, and calculates how many years until you reach your FIRE number (typically 25x annual expenses).

Compare total compensation, not just base salary. Include bonuses, RVU productivity pay, signing bonuses (amortized over 3 years), benefits like PTO and CME allowance, retirement matching, and loan repayment. Also consider lifestyle factors like call requirements, remote options, and location cost of living.

To retire early as a physician, you need 25-30x your annual expenses saved (the 4% rule). For example, if you spend $100k/year, you need $2.5M-$3M. If you spend $150k/year, you need $3.75M-$4.5M. Our FIRE calculator helps you determine your exact number and timeline.

The 4% rule states you can safely withdraw 4% of your retirement portfolio annually without running out of money. This means you need 25x your annual expenses saved (100% ÷ 4% = 25). Our calculator uses this rule to determine when you can achieve financial independence.

Total compensation includes base salary, annual bonuses, signing bonuses, RVU productivity bonuses above threshold, CME allowance, loan repayment programs, and 401k matching. Our calculator amortizes signing bonuses over 3 years for accurate annual comparison.

Yes! This calculator works for all healthcare professionals including physicians, nurse practitioners (NPs), physician assistants (PAs), and other advanced practice providers. Simply enter your salary, expenses, and savings to calculate your path to early retirement.