For informational purposes only. Estimates based on simplified assumptions — not financial, tax, or legal advice. Always consult a qualified advisor.
Monthly take-home
$14,428$173,133 / yr combined
Money left in corp
$170,222✓ Above $200,000 target
Tax paid (total)
$97,90515.9% of gross billings
10-year corp value
$2.0MAt 4% p.a. growth
Practice efficiency
What your current workload produces, not just what it bills
Billings / clinical day
$3,217
207 clinical days/yr
Take-home / work hour
$66
57 total hrs/week
Retained in corp
35.3%
$234,968 retained/yr
Clinic cost load
21.6%
Overhead + fixed clinic deductions
Patient encounters
8,280
40 per clinical day
Tap a section · tap a value to type it directly
Clinical days / week
Patients per day
Billable hours / day
Indirect hours / week
Working weeks / year
Encounter Component
Per-encounter fee ($)
Time Billing Component
Hourly billing rate ($/hr)
Direct billable hours / day
Indirect / admin hours / week
Panel / Capitation Component
Annual panel / capitation ($)
Annual Billing Breakdown
Encounter billings
4.5d × 40pts × 46wk × $25
Direct clinical time
4.5d × 10h × 46wk × $150/hr
Indirect / admin time
12h/wk × 46wk × $150/hr
Panel / capitation
Annual lump sum payment
Rural incentive
6.0% premium on billings
Rural incentive (%)
Extra percentage added on top of regular billings for rural/remote practice incentives (e.g. BC rural premium). Set 0% if not applicable.
Compounding at 4% per annum
How gross billings are allocated
Where the money goes
15.9% effective tax rateQuick wins
— highest-impact changes you could make
+0.5 clinical day/wk
+$54,246 / yr retained
+$5 encounter fee
+$39,057 / yr retained
+1 billable hr/day
+$29,293 / yr retained
Created by Dr Saad S Khan
This tool helps family physicians explore different corporate income and workload scenarios. Adjust the sliders to see how changes in billings, salary, and workload affect take-home income and retained corporate earnings.
How it works
Adjust Inputs
Move sliders to set your workload, salary, and billing assumptions.
Review Results
See take-home income, retained earnings, and tax impact update live.
Compare Scenarios
Save multiple scenarios and compare side-by-side in the full planner.
Important Legal Disclaimer
This tool is provided strictly for general informational and educational purposes only. It does not constitute, and must not be relied upon as, financial, tax, legal, accounting, or professional advice of any kind.
All calculations are estimates based on user-provided inputs and simplified assumptions. Results may not reflect your actual tax obligations or financial outcomes. Always consult a qualified accountant, tax professional, or financial advisor before making any financial or business decisions.
The creator of this tool (Dr Saad S Khan) accepts no liability whatsoever for any loss, damage, or adverse outcome resulting from use of or reliance on this tool.