Specialty ROI Calculator
Compare the true financial ROI of two medical specialties — accounting for training length, opportunity cost, student loans, and long-term earnings trajectory.
Compare Two Specialties
Specialty A
$
3-year residency
Specialty B
$
3yr IM residency + 3yr fellowship
Adjust financial assumptions
$
%
%
$
years
Lifetime Earnings Gap
$4.5M
Cardiology earns more over the projection period
Breakeven Year
Year 8
Cardiology catches up after 8 years
Opportunity Cost
$735,000
Extra training years for Cardiology
10-Year Earnings Gap
$738,004
Cardiology ahead at year 10
Cumulative Earnings Over Time
Training Timeline
Family Medicine3 years
3yr res
Cardiology6 years
3yr res + 3yr fellow
Cardiology requires 3 additional year(s) of training, during which the other specialty is already earning an attending salary.