Doctor income calculator: What do GPs and specialists earn with their own practice?
Calculate your practice's profit, net income and hourly value in 2 minutes: as a GP by patient numbers and case values, in all other specialties by revenue and cost ratio.
Free · GDPR-compliant · Result in 2 minutes
Model calculation with your own assumptions. Your figures are processed in your browser and not transmitted. Not tax or legal advice.
What the doctor income calculator gives you
Revenue & income
The calculator takes you from practice revenue through operating costs to net practice income. You see the surplus per month and per year, clearly broken down. This makes it clear how much of the revenue remains as income.
For every specialty
GPs calculate with patient numbers, the shares from the statutory health insurance association (KV), GP-centered care (HZV) and private billing, and case values. For all other specialties, revenue and cost ratio are prefilled with the values for the specialty (Zi-Praxis-Panel 2023) and can be overwritten.
Per working hour, too
Enter your weekly hours and the calculator also shows what you keep per working hour, before and after taxes and pension contributions. The results are also available as a PDF.
How to calculate your income
Specialty and figures
Choose your specialty. GPs enter patient numbers, shares and case values; all other specialties enter revenue and cost ratio, both prefilled. Working hours per week are optional.
Contact details
Leave your contact details to unlock the results. If you have already used another MediPulse tool, the fields are prefilled.
Get your result
You get revenue, costs and income per month and year at a glance. The complete results are shown on screen and available as a PDF download.
What do doctors in private practice earn, and what is left after taxes?
The income of a doctor in private practice cannot be pinned to a fixed salary. It results from practice revenue minus operating costs, taxes and pension contributions. This is how your net income comes about, and these are the most important levers.
From revenue to net practice income
Practice revenue includes the fees from the statutory health insurance association (KV) as well as income from private billing and individual health services (IGeL). After deducting operating costs for staff, rent, equipment and supplies, what remains is the net practice income, i.e. the practice's profit before taxes. According to the cost structure statistics of Destatis (Federal Statistical Office), expenses in 2024 were 54.1 percent of revenue in general medicine solo practices and 53.1 percent across all practice types in general medicine. Net practice income is the basis for your personal income.
What is left after taxes?
Income tax, contributions to the physicians' pension fund (Versorgungswerk) and health insurance are deducted from net practice income. With the calculator's assumptions (single tax rate without church tax, pension fund 14 percent of profit up to a maximum of €22,000, voluntary statutory health and long-term care insurance), a good half remains as net income for net practice income between €150,000 and €300,000. The calculator computes income tax according to the tax rate schedule and shows each deduction separately.
How much does a GP earn on average?
There is no single figure. For orientation: according to the Destatis cost structure statistics, net practice income, i.e. profit before taxes, averaged €273,000 per general medicine practice in 2024 and €212,000 in solo practices. In group practices it is split among several owners. How much of it remains after taxes, pension fund and health insurance is calculated by the calculator using the tax rate schedule. In rural areas, case numbers and revenue are often higher than in well-served city centers, while the cost structure varies by region.
What a working hour really brings in
Payment is for work with patients, but work also goes into administration, documentation and running the practice. In 2023, practice owners worked an average of 45.8 hours per week, 33.1 of them with patients (Zi-Praxis-Panel). Dividing profit by all working hours shows what an hour actually brings in, making it easier to assess overtime, on-call duties or a new position.
Employed or your own practice?
Employed doctors earn a predictable income under their contract and bear no entrepreneurial risk. With your own practice, income depends directly on revenue, cost structure and utilization. If you are planning the step into your own practice, you should compare both scenarios soberly.
What your income depends on
The deciding factors are specialty, region, practice size and practice type, i.e. solo practice, group practice or medical care center. The quality of billing also plays a role. With KV fees in particular, potential is often left on the table, for example through services that are not fully billed.
How to increase your net practice income
Two levers determine net practice income: revenue and costs. On the revenue side, it pays to look at billing, because services that are not fully or not optimally coded cost fees. On the cost side, staff structure, purchasing of supplies and processes count. If you regularly review both sides using reliable key figures, you quickly find concrete starting points to increase your net income.
Frequently asked questions
How much does a GP with their own practice earn?
Net practice income (profit before taxes) averaged €273,000 per general medicine practice in 2024 and €212,000 in solo practices (Destatis, cost structure statistics). What remains net depends on taxes, pension fund and health insurance; the calculator shows it based on your figures.
How much does a GP earn net per month?
With the calculator's assumptions, €240,000 of net practice income leaves around €10,400 net per month: single tax rate without church tax, €22,000 for the pension fund and a good €15,100 per year for voluntary statutory health and long-term care insurance. Joint assessment, private health insurance or a different pension fund shift the value; the calculator estimates it from your practice figures.
How much do specialists with their own practice earn?
It depends heavily on the specialty. In 2023, the annual surplus per practice owner averaged €177,000 across all specialties, €199,000 in primary care, €286,000 in dermatology and €89,000 in psychotherapy (Zi-Praxis-Panel, averages before taxes). The calculator is prefilled with these values.
What does a doctor earn per hour?
With their own practice, the annual surplus per working hour of owners averaged around €86 in 2023, before taxes and pension contributions (Zi-Praxis-Panel, all specialties). Enter your weekly hours and the calculator computes your own value, net as well.
What does a GP earn per statutory health insurance patient?
The statutory health insurance association (KV) pays mostly flat rates per treatment case per quarter, via the basic and availability allowance in the range of several dozen euros, supplemented by individual services. Accordingly, little remains per individual visit, which is why case numbers and range of services are decisive.
Does the calculator also work for employed doctors?
Yes. Choose "Employed" and enter gross and net salary from your payslip and your weekly hours under your contract. The calculator then shows gross and net per paid hour and, if you enter unpaid hours (on-call duties, documentation after hours, continuing education), what an hour actually worked brings in net.
What data do I need?
GPs need the number of patients per quarter, the shares from KV, HZV and private billing, the case values and the cost ratio. For all other specialties, revenue and cost ratio are enough; both are prefilled with the value for your specialty.
Is the calculator free?
Yes, the calculator is free and non-binding. You don't need a subscription, just valid contact details to unlock the results.
What happens to my data?
Your data is processed in compliance with the GDPR and used exclusively to contact you. It is not passed on to third parties.
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