Veterinarian Retirement Calculator

Unlike most professions, a practice-owning vet has two retirement assets: their savings portfolio AND the sale value of the practice itself. This calculator models both.

The practice-as-asset problem

A practice is not a liquid retirement asset. Sale values range from 70-95% of collections for owner-operator practices, or 8-14× EBITDA for corporate sales. But sales take 6-18 months at normal pace, longer for difficult locations. A "tomorrow retirement" means a fire-sale price.

Planning assumption: treat practice value as illiquid but real, and do your savings math assuming you'll sell within 1-2 years of retirement. Don't count on post-sale employment with a corporate acquirer as retirement income — most contracts end within 3 years.