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    Your Match Day money plan

    Take-home pay in the state you matched, the cash you need before your first paycheck, and when your loans come due. Your numbers stay in your browser.

    Runs in your browserNot legal or financial advice

    The basics
    Your program's contract or GME website lists the salary.
    Adjust the details
    The move
    Household
    Click a preset or enter your training hospital's local municipal wage tax.
    Loans
    RAP prices your first year of payments on your last student-year tax return. For most students it is $0.

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    Take-home pay a month
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    Cash needed before payday
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    Left each month
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    Likely refund next April
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    Your dates

      Cash before the first paycheck

      A PGY-1 month

      Loans in residency

      RAP

      Residency forbearance

      For a whole-career comparison of RAP, IBR and the standard plans, use the loan repayment comparison.

      How this is calculated
      • Tax uses 2026 federal and state rules with the standard deduction. Local wage taxes can be specified for major training hubs (such as Philadelphia, NYC, Detroit, or Ohio cities); where the state has local wage taxes, the page notes typical rates.
      • Married filing jointly adds the spouse's income to the household's tax and to RAP's AGI. RAP counts only the borrower's loans.
      • Withholding is estimated as the full-year tax rate applied to each paycheck, which is how payroll withholding works in the first calendar year.
      • Loan payments follow RAP, recertified once a year on the most recent tax return. During residency forbearance, interest accrues and the months don't count toward PSLF.
      • Residency starts July 1 and the salary is paid evenly from the first paycheck on. Until you enter your own, the salary is the AAMC's 2025–26 resident-weighted average PGY-1 salary for the state's region.

      State license facts come from the state pages; loan rules from federal student loans. This is an estimate for planning, not tax, legal or financial advice.