CoatPocket

CoatPocket™ is a personal finance planning and education app built specifically for medical students, residents, fellows, and physicians — a path where six-figure debt, years of training-level income, and a sudden jump to attending pay all collide. STUDENT LOAN STRATEGY Track federal and private loans separately (they behave very differently). Fill in your federal loans in one step from the data file you download from studentaid.gov. Compare Standard, IBR, PAYE, and RAP repayment plans side by side, and check the estimates against the payment your servicer quotes (both Premium). Keep your own Public Service Loan Forgiveness (PSLF) record of employers and qualifying months. BUDGETING SCALED TO YOUR TRAINING Category budgets with suggested ranges scaled to your income and your area's cost of living, plus a real after-tax take-home estimate (federal brackets, FICA, and state tax), not just your stated salary. See budgeted versus spent at a glance, and import a CSV or PDF statement instead of retyping. NET WORTH, PROJECTED THROUGH YOUR CAREER See where you're headed, from your current training stage through the attending years, based on your real income, savings, and loan payoff, not a generic average. GOALS, DATES AND CHECK-INS Set savings and pay-down goals and see whether you're on track. A money calendar shows loan payments, tax dates and your own reminders. Check in on your net worth now and then and see it against the plan you started with. A short weekly recap is worked out on your phone, and you can arrange or hide the cards on your Dashboard. A FINANCIAL EDUCATION LIBRARY BUILT FOR MEDICINE Backdoor Roth IRAs, disability and malpractice insurance, physician mortgages, refinancing, PSLF paperwork, and the practice-side decisions (W-2 vs. 1099, incorporating, contract review) most trainees never get taught. PRIVATE BY DESIGN No account and no bank login. Your financial profile stays on your phone, and documents you import are read on your device and never uploaded. Add an optional Face ID or passcode lock, and back up your data to a file you control. AN ANONYMOUS COMMUNITY OF PEERS Ask and answer questions with other trainees and physicians under a randomly generated anonymous handle — never your real name. You control your own posts and comments, including deleting them any time. FREE TO START, PREMIUM WHEN YOU WANT MORE CoatPocket™ is free to use, and every new install starts with a free two-week trial of Premium — no payment information needed, and nothing is charged when it ends. After that, keep the free version or subscribe. Premium adds the 30-year net-worth projection, life-event modeling, the repayment-plan comparison and payment check, past-month and carry-forward budgets, in-depth guides and an open-enrollment planner, refinancing, insurance, and tax tools, a contract-review checklist, and an investment growth simulator. Three tiers — Student, Resident/Fellow, and Attending — priced for each career stage, billed monthly or annually. CoatPocket™ is an educational and planning tool, not a substitute for professional financial, legal, tax, or medical advice. Loan program rules (including PSLF) are set by law and can change — always confirm current details at studentaid.gov or with your loan servicer before making a decision. Terms of Use: https://coatpocket-legal.netlify.app/terms/ Privacy Policy: https://coatpocket-legal.netlify.app/privacy/