Calculators
What the practice is worth
Adjusted earnings after the cost of replacing your own clinical hours, a value on the multiple you choose, and whether that price covers its own debt.
Practice value
Profit is not earnings, and earnings are what gets financed.
An owner-operator’s take-home mixes two different things: a return on the business, and payment for the clinical work they personally do. A lender separates them, because after the sale someone still has to do the work. This runs the same subtraction, then puts a value on what is left.
The practice
If you financed it at that price
Coverage is measured on the first year, when the payment is at its highest, and on earnings after paying someone to do your clinical work. That is the conservative reading and the one worth knowing. Arithmetic on figures you supplied — not a valuation, an approval or an offer. 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.