Big Law hours and six-figure law school debt make attorney math unique: your headline salary lies about your hourly wage, and your loans demand a strategy. These tools give you both truths.
At 2,200 billed hours plus realistic non-billable time — say 2,800 real hours — roughly $75/hour. Good, but a fraction of the billing rate clients pay. Run your own hours in the salary-to-hourly calculator before lateral moves.
On a typical $160K balance at 7%, minimum payments take ~10 years and cost ~$63K in interest. $3,000/month extra cuts it to roughly 3.5 years and saves most of the interest. The loan payoff calculator shows your exact curve.
The freelance rate calculator builds it: target income, plus malpractice, office, and software costs, divided by realistic billable hours (solo attorneys typically bill 50–60% of working time). Most are surprised the answer is near their effective firm rate.