GP billings & income calculator
Plan your income the way you actually work — build your week, day by day. Make Monday a consulting day and dial the hours; make Tuesday a procedure list and choose the procedures; add a Saturday or Sunday and the billing switches to after-hours rates. Bulk-bill or set your own private fees, and watch care plans & health assessments take the place of standard consults (because they can't be billed on top). It then estimates your annual Medicare billings, the practice service-fee split, and after-tax take-home.
Interactive Australian GP income planner: build a Monday-to-Sunday week of consulting days (per-day hours, with weekend/after-hours billing), procedure lists (skin work, Mirena/IUD, Implanon, bulk-billed or privately billed, with the 40% LARC loading) and aged-care rounds. Care plans (items 965/967), health assessments and mental-health plans are modelled as time that displaces standard consults rather than being billed on top. Includes bulk-billed vs private split, location-scaled incentive, the practice service-fee split and a basic after-tax take-home.
In-consult procedures — small procedures during normal consulting (per week)
Other income — DVA / WorkCover / reports / extra after-hours / rural & teaching (optional)
Item rebates & private fees (editable — indicative ≈ July 2026 (post 1-July indexation), verify on MBS Online)
How GP billing works — the 60-second version
Fee-for-service consults. Most GP income is the consult item, tiered by time and clinical content: Level A (item 3, <6 min), B (23, 6–19 min), C (36, 20–39 min), D (44, 40–59 min) and E (123, ≥60 min). Higher tiers need real time and documented complexity — up-coding is a compliance (PSR) risk.
Bulk-billed vs private. A bulk-billed consult pays the Medicare rebate + a bulk-billing incentive (tripled and, since Nov 2025, extended to all bulk-billed patients; larger in rural/remote areas) with no patient gap — the doctor banks only the rebate. A privately-billed service charges the patient your full fee; the Medicare rebate is refunded to the patient, and the doctor banks the whole fee (usually more than rebate + incentive). No incentive or LARC loading applies to private services.
Care plans & health assessments don't stack. A GP Chronic Condition Management Plan (prepare 965 / review 967) can't be co-billed with a standard consult for the same patient the same day, and a health assessment (701–715) is a "complete service" in its own right. They're longer visits that take the place of several standard consults — so this tool counts the time they use and removes that many item-23s, rather than adding them on top. Mental-health plans (2715/2717) are similar.
After-hours & weekends. On Sundays and public holidays you bill after-hours items, not 23/36/44 — and they pay a premium. Saturdays flip to after-hours after about noon.
Procedures. Skin excisions/biopsies, cryotherapy, Mirena/IUD and Implanon are billed on top of the consult and reward a dedicated list. Bulk-billing a LARC adds a 40% loading (item 35501) — but only if every item that visit is bulk billed. Pathology/imaging are billed by the lab/radiologist, and joint injections fold into a longer consult.
How practices use nurses. A practice nurse rarely bills much directly, but earns the practice money three ways: the Workforce Incentive Program (Practice Stream) — a quarterly grant for employing nurses; nurse-supported MBS items billed under the GP; and leverage — the nurse does obs, dressings, recalls and care-plan groundwork so the GP can see more patients and run nurse-led clinics. For a contractor GP this income mostly accrues to the practice, not to you — which is why it isn't in your take-home above.