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Calculators

Plug in your own numbers. Free, no sign-up.

  • Which Step Are You On? The Money Workup. 12 quick questions. Find your next move in The Doctor’s Money Protocol.
  • Disability Insurance Calculator Your group plan says 60%. See what it would really pay after caps and taxes, and how big your gap is.
  • Life Insurance Calculator How much would your family need? Get a quick estimate or add up the real costs.
  • Net Worth Calculator What you own minus what you owe, student loans and all. Then see how you compare for your age and income.
  • Student Loan Payoff Calculator See your debt-free date. Compare avalanche vs. snowball, and check if PSLF beats paying it off.
  • Investment Calculator See how your money can grow, or find what it takes to reach your goal.

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Dustin Karas
Helping doctors win with money.
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Dustin Karas is co-founder and CEO of Pattern, an independent insurance brokerage. Everything here is general education, not personal financial, tax, legal, or insurance advice. Your situation is your own, so talk to a qualified professional before you act. © 2026 Dustin Karas. Privacy