Tools
Your numbers, worked through honestly.
For the decisions a medical life actually involves: training, pay, loans, a practice, a place, a week. Every formula is shown, every assumption can be changed, and nothing you type leaves your browser.
Career
Choosing a path, pricing it, and comparing it with the alternatives.
Which paths through medicine could suit me?
Twenty-five careers, clinical and beyond: what the work is like, what it asks, and how people get there. The Career Atlas.
How do two or three paths really differ?
Put up to three careers from the Career Atlas side by side, field by field, with the same sources and caveats.
What will postgraduate training actually cost me, including the years spent preparing?
The whole path, priced honestly: preparation years, coaching, fees and living costs, set against stipends and the income you would otherwise have earned.
If I choose one path over another, what does it cost me over the years?
Two paths, side by side over time: when each starts earning, what each costs, and when, if ever, one overtakes the other.
Money
Pay, loans and savings, worked through in your own numbers.
What is my pay really worth, per hour I actually work?
Your pay, set against the hours it really takes: rota, on-call and the unpaid extra. Compare two offers on the measure that matters.
What will this loan really cost me, and what does paying extra save?
Your EMI, the true cost of a moratorium, and what paying a little extra each month saves. Built for education loans; works for any fixed-rate loan.
How much freedom do my savings buy, and how could that grow?
Wealth, measured in freedom. How many months and years of your essential costs your savings cover today, and how that could grow under returns you choose.
What do published pay scales actually say?
Official pay figures for doctors in training, each with its source, place and year. Nothing estimated, nothing converted.
Practice
The arithmetic of building something of your own.
How many patients does a clinic need to cover its costs, and when does it pay back?
The arithmetic of a clinic: fixed costs, what each consultation really earns, how many patients cover the month, and how long the setup takes to pay back.
Time and life
Hours, places and what matters.
Where do my 168 hours actually go, and where would I like them to go?
Every week has 168 hours. Put yours on one line, see what is left, and set it beside the week you would choose.
What would living somewhere else give me, and what would it take away?
Two or three places, set side by side in your own numbers: what you keep each month, how much freedom a year of work buys, and the hours spent getting around and getting home.
Which parts of my life matter most right now?
Ten dimensions of a medical life and a private reflection on each. No score, no verdict.
How our tools work
Nothing hidden in the sums.
Plain arithmetic
Every result comes from published formulas, run in your browser. The same inputs always give the same answer. No AI does the maths, and no server sees your numbers.
Assumptions in view
Every assumption is shown beside the result and can be changed. Defaults are starting points, not facts about you.
Method published
Each tool explains how it works, formula by formula, and what it cannot tell you.
Your numbers stay with you
Nothing you type is sent or stored. A link to your numbers is made only if you ask for one.
Estimates, not advice
Financial results are educational estimates. They are not individualised financial, tax or legal advice.
The Handover
New tools, as they arrive.
The Handover brings one considered letter a week, with each new tool and the thinking behind it.