My Plan · written plan · sample profile
Your financial plan
Attending · Hospitalist · household of two · updated Sep 24, 2026
This is a sample plan. Answer a few questions and it fills in with yours.
Your plan in one paragraph
You chose RAP, aiming for PSLF. You’re saving in a 401(k) or 403(b), a 457(b) and a Roth IRA. You chose owning your home. Not in your plan yet: disability insurance. Everything here comes from your answers and the choices you made in each calculator.
1 · Student loans
You chose: RAP, aiming for PSLF
36 of 120 qualifying payments made. Payments count toward forgiveness while you work for a nonprofit or government employer.
- Federal loans
- $250,000
- Estimated payment now
- $2,377 / month
- Estimated forgiveness
- 2033
- Estimated amount forgiven
- $127,860
2 · Saving and investing
You’re saving in a 401(k) or 403(b), a 457(b) and a Roth IRA
How it works: pre-tax savings lower your taxable income, which also lowers an income-driven loan payment.
- 401(k) / 403(b)
- $24,500 / year
- 457(b)
- $24,500 / year
- Roth IRA
- $7,500 / year
- HSA
- $8,750 / year
- 529 college
- $6,000 / year
3 · Protection
Not in your plan yet: disability insurance
Many physicians look into own-occupation disability insurance during training, when it usually costs less. Term life often comes up once someone depends on your income.
- Income without coverage (estimate)
- $4,106 / month
4 · Housing
You chose: owning your home
Payment includes principal, interest, property tax and insurance.
- Home price
- $650,000
- Payment
- $5,129 / month
Next on your checklist
- Recertify your income and certify PSLF employment Sep 1, 2027
- Compare offers and consider a contract review
- Compare keeping PSLF with refinancing
Worth rechecking when things change
If you leave nonprofit or government work
Payments stop counting toward PSLF. Loan strategy compares staying with refinancing.
A baby, a move or a house
Common topics: term life, the emergency fund, Mortgage.
Built from your answers and the 2026 rules (last verified Sep 25, 2026). Educational estimates, not financial, tax, legal or insurance advice; PGYield isn’t a registered investment adviser.