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AI Practice Valuation Estimator
Enter 8 data points, get a physician-to-physician benchmark range and a personal analysis from Dr. Joel Hayden, OD — in 60 seconds. More accurate than this calculator alone.
Practice Valuation Estimator
Estimate what your practice is worth to a physician buyer
Practice Financials
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Practice Profile
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🏥 Estimated Practice Value
EBITDA Multiple Range—
Practice Value (Low)—
Practice Value (Mid)—
Real Estate (if owned)$0
Estimated Total Range—
What PE Would Offer—
Doctor Buyer Premium
💡 Valuation Insights
EBITDA multiples vary by specialty, location, and market conditions. These are estimates based on recent physician-to-physician transactions.
Doctor buyers typically pay 15–25% more than PE firms because they value the practice as a career, not just a financial asset.
Seller financing can increase your effective selling price by 5–15% by expanding the buyer pool.
EBITDA & Owner Benefit Calculator
Calculate your true practice earnings — what buyers actually pay for
Revenue
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Operating Expenses
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Add-backs (Owner Benefit)
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📊 EBITDA Breakdown
Gross Revenue—
Total Operating Expenses—
Net Operating Income—
Total Add-backs—
Adjusted EBITDA / Owner Benefit—
EBITDA Margin—
Overhead Ratio—
💡 What This Means
A healthy medical practice has an EBITDA margin of 25–40%. Higher is better and commands premium valuations.
Overhead ratio above 65% is a yellow flag for buyers. Above 75% typically requires explanation.
Add-backs are legitimate and expected. Buyers know owner-operators run personal expenses through the practice.
Seller Financing Calculator
Model your seller-financed deal and see your total proceeds
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Compare to Bank Financing
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💰 Seller Financing Summary
Down Payment at Close—
Amount Financed—
Monthly Payment to You—
Total Interest Earned—
Total Proceeds—
vs. All-Cash Sale—
🏦 Buyer's Perspective
Buyer Monthly Payment (Seller Finance)—
Buyer Monthly Payment (Bank/SBA)—
Buyer Saves Per Month—
💡 Why Seller Financing Works
You earn interest income above what you'd get from a bank or CD — often 6–8% on a large principal.
Installment sale tax treatment means you pay capital gains tax over time, not all at once.
Buyers qualify more easily, closing deals that bank financing would kill.
Loan Parameters
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📅 Full Amortization Schedule
Loan Amount
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Monthly Payment
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Total Interest
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Total Received
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| Month | Payment | Principal | Interest | Balance |
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Buyer Affordability Calculator
Find out what practice price fits your financial situation
Your Financial Picture
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Financing Assumptions
Comfort Settings
🏦 What You Can Afford
Max Practice Revenue (based on income)—
Max Affordable Practice Price—
Recommended Price Range—
Estimated Monthly Loan Payment—
Estimated Monthly Practice Income—
Estimated Monthly Net After Debt—
Break-Even Timeline—
💡 Buyer Tips
SBA lenders typically require a debt service coverage ratio (DSCR) of 1.25x — meaning practice income should be 125% of your loan payment.
Seller financing often has more flexible DSCR requirements, making it easier to qualify for a larger purchase.
A practice that covers your loan payment AND matches your current income is a strong acquisition target.