Budget · this month

Doctor budget

Why this matters. A year is a set of bills against take-home. Registration, a college fee and insurance are easy to leave out of a quiet month. The leftover is what remains after the lines you type.

Take-home after tax, then the household bills and the bills that come with the job. Indemnity, college and income protection start as examples. Type the real premium.

Income

Hospital salary$$0 to $99,999,999Tax is taken out of this. Same estimate as the income tax calculator.Private work and locum income, after expenses$$0 to $99,999,999After practice expenses. Do not put those expenses in again below.

Private hospital cover — skips the Medicare levy surcharge

HELP debt repayment

Household / month

Housing$$0 to $99,999,999Rent, or the mortgage repayment.Groceries$$0 to $99,999,999Transport$$0 to $99,999,999School or childcare$$0 to $99,999,999School fees by year are on the schools page.Other household$$0 to $99,999,999

The job / year

Indemnity (example assumption, editable)$$0 to $99,999,999Not a published premium. Type your own figure. Public hospital work is often covered by the employer.AHPRA registration$$0 to $99,999,999General registration annual fee $1,102 from 1 August 2026. NSW is a different figure on the same schedule.College, exams, CPD$$0 to $99,999,999The college publishes this. The starting number is not theirs.Income protection$$0 to $99,999,999The insurer quotes this. A chip number is not a quote.

Left this month

$3,886FY2026–27

Take-home $13,886 − household $8,700 − job $1,300

Housing$4,50032%
Groceries$1,40010%
Transport$5004%
School or childcare$1,50011%
Other household$8006%
Indemnity$6675%
AHPRA$921%
College, exams, CPD$2082%
Income protection$3332%
Left$3,88628%

AHPRA figure: Medical Board fees ↗. Indemnity on this page is a figure you type, not a published premium. School fees are on private school fees. Registrar leftover next to a first-year consultant leftover is on pay step-up.

Next: Income tax calculator — Take-home uses the same tax estimate.

What doctors often miss

Registration and college fees are annual. A month that leaves them out looks larger than the year.

Included / Not included

Included

ATO resident tax rates 2026–27 ↗ · 1 July 2026
Low income tax offset, up to $700, nothing above $66,667 ↗ · 1 July 2026
Medicare levy 2%, shade-in $28,011 to $35,013 for a single resident ↗ · latest singles table on the ATO page
The spending lines you type, including registration where a default is shown · Registration fee linked on the page

Not included

HELP debt and the Medicare levy surcharge if you left them off
Inflation
A spouse’s income, unless you type it into a line
Insurance, stamp duty and brokerage, unless a spending line includes them

Assumptions you can edit are the inputs on this page. This is a model, not a prediction, a tax assessment, or a recommendation.

A rough figure — not advice. Terms

Also

This month

What's left this month

Same month, with the mortgage worked out.

Income · tax office 2023–24

Income by specialty

What that specialty recorded at the tax office.

Fees · 2026

What the job costs

Registration and the college.

Schools · 2026

Private school fees (2026)

Year-by-year tuition if the school line is a guess.

Advertisement — labelled, never inside the number.