Compensation Calculator
This calculator models your earnings as the Sales Representative & Member Portfolio Manager (S&MPM) at Maxfield Medical DPC — commission, draw, milestone bonuses, and retention bonuses across the first 10 years of the practice.
Realistic is the recommended starting point. You can fine-tune the growth slider in the bottom bar at any time.
Event 1 (E1) — $187,446 SBA loan to open Maxfield Medical DPC: pre-open overhead, draw support, and legal fees.
Event 2 (E2) — $300,000 buildout of a dedicated clinical space, triggered at 600 patients. The buttons below control how much of E2 you borrow vs. save from operations.
Select a financing mode — all numbers update instantly.
Gross revenue vs. costs at the current panel size. Net income is what remains after all roles and overhead are paid.
Key patient thresholds where something changes — a role advances, a cost triggers, or a bonus is earned. Status updates live with the slider. Entries marked live are calculated dynamically from your growth and churn settings — they shift as you adjust those assumptions.
Monthly breakdown of every fixed operating cost. Items marked auto activate automatically at certain patient thresholds.
APPs are paid on a full-panel flat rate — when a threshold is crossed, the new rate applies to the APP's entire panel retroactively. APP #2 is hired automatically when APP #1 reaches 650 patients.
The Medical Director is compensated on a variable pppm rate during ramp, converting to a flat salary once the practice reaches scale.
Commission + Draw — $20 pppm at default $140 blended avg price (scales proportionally with actual avg). Draw fills gap to $5,000/mo ceiling, reaches $0 at ~250 patients. Draw period: 18 months total (6 pre-open + 12 post-enrollment).
The draw covers the gap between commission earned and the $5,000/mo ceiling. It runs through the practice's pre-open phase plus 12 months after first patient enrollment (~18 months total). Every dollar of commission earned directly reduces the draw paid that month. Once commission reaches $5,000/mo naturally (~250 patients at $20 pppm), the draw ceases entirely and the S&MPM is self-sustaining — whichever comes first (patient count or time limit). Cash repayment of any accumulated balance then phases in: $500/mo at 400 patients · $750/mo at 450 · $1,000/mo at 500. 50% of the remaining balance is forgiven at 600 patients (Director designation) and the full balance is forgiven at 1,000 patients. Use the tracker below to estimate the outstanding draw balance at any point in the ramp.
Projected annual cash earnings as the practice ramps. Reflects current scenario, price/mix, and churn. Switch presets above to compare.
| Year | End Panel | Commission | Net Draw | Milestone | Retention | Total Cash |
|---|---|---|---|---|---|---|
| 10-Year Cumulative | $0 | |||||
Projection is illustrative — actual earnings will vary based on real-world enrollment pace, retention, and price-mix outcomes. Net Draw shows draw advances received (positive) or repayments made out of commission (parenthesized). 50% of draw is forgiven automatically at 600 patients; remaining draw is fully forgiven at 1,000 patients. Milestone bonuses are recognized in the year the threshold is crossed; retention bonuses are summed semi-annual payments.
The model tracks patient churn and lifetime value to determine when the practice's cumulative retained capital hits the buildout goal — at that point the auto-cap lifts and full distributions flow to owners. Adjust churn above in Settings to see how it shifts these numbers.
What remains after all costs, and how much flows to owners. While the buildout reserve is being accumulated, a portion of net income is held back — distributions increase significantly once the retention goal is reached.
Monthly and annual take-home for each owner based on their equity percentage. Distributions only flow when net income exceeds the retention cap.
Pre-tax estimates. Consult your accountant before making distribution decisions.
Combined view of every dollar leaving the practice — to staff, to roles, and to owners.
| Person / Role | Type | Monthly | Annual |
|---|
| Pre-open draw (6 months) | $30,000 |
| Post-open draw (months 1–20) | $28,800 |
| Overhead — pre-open (6 mo) | ~$38,646 |
| Overhead gap — early post-open | ~$40,000 |
| Legal fees — Tim Frye (one-time) | $50,000 |
| Exam room conversion — current office | $8,000 |
| Event 1 subtotal | $195,446 |
| Physical buildout cost | $300,000 |
| Owner capital contribution | −$200,000 |
| SBA 7(a) · 10yr · 9.5% | $1,294/mo |
| Event 2 SBA loan | $100,000 |
| Total loan amount | $287,446 |
| Loan type | SBA 7(a) |
| Fixed interest rate | 9.5% |
| Term | 10 years (120 months) |
| Total interest paid | $269,446 |
| Total repaid over life of loan | $756,892 |
| Monthly loan payment (fixed cost) | $3,720/mo |
| Est. 10-yr distributions — 41% owner | — |
| Est. 10-yr distributions — 16% owner | — |
| Based on current price/mix, 20 pts/mo growth, 20% churn |