Compare cash needs, monthly payments, practice cash flow, personal debt pressure, and the financial flexibility each purchase may leave behind.
Use your current numbers plus estimates from a mortgage lender, practice lender, broker, or accountant when available.
A purchase can look affordable from the monthly payment and still leave you with too little cash after closing. That matters even more when one option is a business acquisition that may need working capital during the transition.
This calculator therefore compares both the monthly payment and the cash you would have left after each purchase.
A dental practice is different from a home because it can generate operating cash flow. The useful question is whether expected collections can cover operating expenses, acquisition debt, and an appropriate reserve without depending on overly optimistic projections.
Use our dental practice expense analysis calculator to review operating expenses separately.
You can also model production capacity with the dental practice revenue calculator .
No. It shows which option appears to create more or less financial pressure based on the numbers you enter. Lending, taxes, legal structure, personal goals, credit history, and risk tolerance require professional review.
A purchase can consume a large amount of cash even when the monthly payment looks manageable. Keeping reserves can give you more room for personal emergencies, practice transition costs, equipment problems, or temporary changes in collections.
They are commonly used Canadian mortgage debt-service measures. This calculator uses them as reference points only and does not determine whether a lender will approve a mortgage.
Practice ownership can change income, debt, cash reserves, and lender underwriting. The result can be positive or negative depending on the practice's actual cash flow and financing structure.
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