Calculators

Own it, or stay associate

Your pay against an owner’s take-home with the loan payment on it — the year-one cut, the year it turns, and the equity that piles up alongside.

Own, or stay associate

The raise nobody can give you.

An associate is paid once, for the clinical work. An owner is paid twice — for the work, and for the business. The first year usually charges for that privilege, because the loan payment starts at its highest. It falls every month after that. Put your own numbers in and find the year it turns.

You today

$180,000

The practice you would buy

$1M
$1.2M
60%

The loan

0%
7%
12 yrs
12 mo
10 yrs
Running costs means everything the practice spends — staff, rent, supplies, lab, admin — but not your own pay: an owner-operator keeps what is left, which is the wage for the clinical work and the profit of the business together. That is the opposite framing from the practice-value tool above, which subtracts the cost of replacing you because that is how a lender sizes a buyer’s debt. Equity counted here is only the loan principal you pay down — your down payment moves money from the bank to the building, and the practice is assumed to hold its value, no more.
Ownership ahead
cash and equity together, over the period
As an associate, each year$0
Owner earnings before the loan$0
Loan payment, year one$0
Take-home as owner, year one$0
Ahead by, year one$0
Ownership pulls ahead—
Take-home once the loan ends$0
Equity built over the period$0
Total advantage over the period$0

A commercial principal-and-interest loan: a fixed slice of principal plus interest on what is still owed, so the payment falls as the balance does — which is exactly why there is a computable year where ownership pulls ahead. Arithmetic on figures you supplied. Not tax advice, not a valuation, not an offer; how income is actually drawn from a corporation is a conversation for your accountant. Arithmetic last checked for accuracy on October 15, 2026.

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A calculator is a starting point, not an answer

Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.

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