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    Black Mountain Financial
    Calculators

    For Medical Professionals

    GP Income & Practice / JV Model

    Model one doctor's take-home — or add professionals to test a joint venture. See what the doctors net, and what the practice entity earns once it covers its own costs. Gross flatters you; net funds your life and services your loan.

    The professionals

    1
    $
    %
    $
    Gross $397,440 · Net $226,285 · $154/hr

    The practice / JV

    Nurses, admin, practice manager, rent, equipment — the shared overhead the service fees fund.

    $

    The doctors — combined take-home

    $226,285

    total net to all doctors, before personal tax

    Total appointments / year5,520
    Total gross billings$397,440
    Avg net per doctor$226,285

    The practice / JV — its own economics

    -$48,845

    net profit, distributable to the owners

    Service fees received$131,155
    Less: operating costs− $180,000
    JV net profit-$48,845
    With 1 professional, the service fees don't yet cover the practice overhead — a shortfall of $48,845. Add a professional to spread the fixed costs.

    Illustrative only — not tax, financial, legal, or credit advice, and not a finance offer. Practice and service-entity structures have real tax and legal consequences; set them up with your accountant and solicitor.

    Get the report

    Enter your details and we'll email you a branded PDF of this model — your numbers, the combined take-home, and the practice/JV position.

    We'll only use your email to send this report and follow up if you'd like — no lists, no spam.

    How to read it

    Two questions in one model

    Gross vs net

    A "$400k biller" is not a $400k earner. Take out the service fee and your own costs and the real, bankable number is your net — often far lower than the headline.

    Why a JV works

    One doctor rarely carries a full practice's fixed overhead. Add professionals and the service fees they each pay start to cover — then exceed — the shared cost.

    Then the finance

    Whether it's a home loan, a fit-out, or buying into rooms, a lender lends against the real net — structured the right way. That's the conversation to have next.

    Start the Conversation

    Know your real number?

    This model gives you the shape. For finance built around your actual income and structure — a home loan, a fit-out, or buying into a practice — talk to a principal.

    Contact Details

    Phone

    02 6188 9849

    Office

    Level 1, 33 Allara Street
    Canberra ACT 2601

    Hours

    Monday – Friday, 9am – 6pm

    What to Expect

    • Honest assessment of your options
    • Response within 24 hours
    • Strategic insight, not a sales pitch
    • No obligation discussion