Tools for Your Financial Plan

Interactive tools from The Income Variable for examining career exposure, savings decisions, investments, and the financial choices surrounding clinical work.

Robot doctor studies a complex chart
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Specialty Exposure Map

How exposed is your specialty to changes from AI or robotics? Explore our estimates for over 97 specialties and their relative risk.

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Robot doctors weighs temptation versus savings
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Temptation Calculator

Should I make this tempting investment? Well, it depends and before you do, let's find out what that really means.

Robot doctor leaves one situation heading for another
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Career Switch

Want to be your own boss and thinking maybe the grass is greener? Let's find out what it costs and if it's worth it.

Robot doctor weighs real estate options
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Real Estate Calculator

Does real estate investment make sense for me and my tax situation? Sometimes the answer is surprisingly no. Let’s check.

Robot doctor considers their debts and savings goals
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Savings Rate Calculator

How much should you be saving this year? Where should all of that savings go? Let's find out.

Coming soon, the full book.
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The Income Variable

18 chapters

Linked companion tools and in depth evidence-based data to help you prepare for today, tomorrow, and for retirement.

5 Parts Covering Everything

Discussing income impact of AI, Personal Finance, Real Estate, How to Adjust, What to do in an Emergency, and How it Differs by Stage of Your Career.

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Robotic physician reading a personal finance book