Return of Service Repayment Calculator (Ontario 2026)
Enter the repayment amount from your own ministry notice. The calculator shows how many months it would take $38,000 a year in profit share to cover it.
Researched by Button Health. Last checked .
Months for $38,000 a year in profit share to cover it
Enter your figure
Before tax and interest.
Where the repayment figure comes from
The ministry guidelines set the repayment as the training cost per year times the years or days of training, plus $4,000, with interest if it applies. They do not publish the training cost, so the figure on your own notice is the one to use. The repayment formula is explained here.
How the number is worked out
| Line | Formula | Basis |
|---|---|---|
| Months to cover it | Repayment / ($38,000 / 12) | About $3,200 a month, before tax and interest. Rounded up to whole months |
What it leaves out
- Tax, which reduces what you keep
- Interest on a repayment, because the guidelines do not state a rate
- Whether repayment is available in your situation, which is a question for the ministry
Confirm how this applies to your agreement with the Ministry of Health.
Related questions
- How much does it cost to buy out return of service in Ontario?
- How long would $38,000 a year take to cover a return of service repayment?
- How do you pay back return of service in Ontario?
Sources
- Ontario Ministry of Health, IMG ROS Program Guidelines (dated October 2025, posted at a December 2, 2025 URL)
- Ontario, Health human resources (updated November 2, 2026)
The offer
Family physician, Bay and College, Toronto.
Compensation
Fee-for-service Family Health Group (FHG), applying for FHO+ next year.
Overhead: 0% for your first one and a half OHIP billing cycles. Then 20% of your OHIP billings (plus HST) at four or more clinical days a week or $30,000 a month in billings. Below that, 25%.
Estimated earnings: $32,000 to $43,000 a month in billings. $25,000 to $35,000 a month after overhead, from OHIP and private fees.
Attachment bonus: OHIP pays you $100 to $120 for each patient you attach who has no family doctor.
Profit share: Builds by about $3,200 a month, up to $38,000 a year, scaled to days worked. Paid by the clinic in June and December, no overhead. Can go toward your annual HOOPP pension contribution.
Paid leave: six weeks a year, building from your first day. A locum sees your patients while you’re away, so nothing piles up.
Professional allowance: up to $5,000 a year for CME, dues and licensing.
Gym membership: paid by the clinic.
About this research
Button Health researched these rules directly from ministry, regulator and other primary sources, and links each one so you can read it yourself. Button Health is a family practice at Bay and College in Toronto that recruits family physicians, so we have an interest in this topic.
This page is general information, not legal or financial advice. Rules change, and your agreement is what binds you.