Disclaimer: This calculator provides estimates for educational purposes only based on standard MBS schedule fees current as of May 1, 2026. It does not account for taxation, superannuation, business expenses, registrar service-fee arrangements, non-standard billing patterns, or individual practice circumstances. It is not financial, accounting, or taxation advice. Confirm current rebates at MBS Online and consult a medical accountant for individualised advice.
The calculator models the typical bulk-billing service mix Australian GPs encounter in routine practice — care plans, health assessments, medication reviews, and standard consultations — and applies the relevant Bulk Billing Incentive items and the BBPIP loading where the practice qualifies. The output gives a realistic annual revenue projection alongside a weekly workload breakdown, so you can see both the income side and the time cost in one view.
Projected Annual Income Calculator
Estimate annual revenue based on Modified Monash (MM) locations and patient service volumes.
Patient Volume Inputs
What is BBPIP?
The Bulk Billing Practice Incentive Program (BBPIP) is an Australian Government incentive that pays a 12.5% loading in addition to eligible bulk-billed Medicare items for practices that fully bulk-bill all eligible patients. It commenced on 1 November 2025 as part of the Strengthening Medicare reforms.
+12.5%
On every eligible bulk-billed service
Split 50/50 between the GP and the practice, paid quarterly in arrears.
100%
Bulk-billing threshold required
All eligible services for all Medicare patients must be bulk-billed. No exceptions for eligible items.
Stacks
With tripled BBI items
BBPIP-eligible practices receive both the tripled Bulk Billing Incentive items and the 12.5% loading.
Quarterly
Payment cycle
Assessed and paid quarterly in arrears. First payment issued January 2026 (Nov–Dec 2025 period).
BBPIP only applies to practices that meet the "fully bulk-billing" eligibility criteria. Mixed-billing practices continue to access the tripled Bulk Billing Incentive items but do not receive the 12.5% loading. This distinction is the single largest variable in the calculator and the most important factor when modelling whether a practice should consider transitioning.
"The BBPIP loading is consistently underestimated. Most GPs anchor on the tripled BBI items and overlook the 12.5% compounding across the entire eligible item base — often a five-figure annual difference."
How to use this calculator
Enter your estimated annual service volumes across each category, select your practice's billing status, and fill in your working pattern. The calculator returns five output lines covering revenue and anticipated workload.
Worked example — a typical full-time GP
To illustrate how the calculator performs, here is a worked example for a hypothetical full-time GP at a fully bulk-billing urban practice. Figures are illustrative; verify current MBS rebates before relying on them.
Hypothetical Full-Time GP (MM1)
Item 23 (standard consults)
4,800 / year
Item 36 (long consults)
900 / year
Patients with active GPCCMPs + regular reviews
100 / year
Health Assessments (mixed)
80 / year
Home Medicines Reviews
24 / year
Weeks worked
48
Sessions per week
8
Total Annual Gross
~$530,000
BBPIP Loading Component
~$23,000
Weekly Consultations
~130
For most full-time GPs running this kind of mix, the BBPIP loading alone represents a meaningful five-figure annual sum. The same workload at a mixed-billing practice forfeits the entire loading component — a quantifiable break-even decision, not a values-only question.
Five things this calculator reveals about GP income in 2026
1
The BBPIP loading is consistently underestimated. Most GPs anchor on the tripled BBI items and overlook the 12.5% loading, which compounds across the entire eligible item base.
2
Care plans have one of the strongest revenue-per-hour profiles of any billable activity — provided the documentation workflow is templated. The same work done from scratch can erase the per-hour advantage entirely.
3
Health assessments remain significantly under-utilised in many practices. Even a modest increase in volume produces a larger revenue uplift than equivalent additional consultation time.
4
The per-hour gap between standard consultations and structured chronic disease care is now larger than at any prior point. This has implications for registrar education and appointment template design.
5
The fully bulk-billing vs. mixed-billing decision has a clear break-even point you can model. It is a quantifiable financial decision, and the answer varies by service mix, patient demographics, and consulting style.
Frequently asked questions
How accurate is this income calculator?
The calculator uses standard MBS schedule fees current as of the 1 November 2025 indexation. It produces a reliable estimate of gross practice revenue from the service mix you enter. It does not model taxation, superannuation, business expenses, registrar service-fee arrangements, or after-hours loadings. For an individualised projection, consult a medical accountant.
What is the difference between BBPIP and the tripled BBI items?
The tripled Bulk Billing Incentive items (such as item 75870) are paid in addition to the standard rebate when a service is bulk-billed for an eligible patient — they apply to both fully bulk-billing and mixed-billing practices. The BBPIP loading is a separate 12.5% payment applied on top of the bulk-billed item value, but only for practices meeting the fully bulk-billing criteria. The two stack — BBPIP practices receive both.
Can a registrar's billing be modelled with this income calculator?
The calculator estimates the practice-level gross revenue generated by a registrar's billings. It does not model the registrar's personal take-home pay, which depends on the service-fee arrangement (commonly 45–55% of billings). Use the gross figure as a starting point for service-fee discussions with your supervisor or practice manager.
How often are the rebates updated?
MBS rebates are reviewed annually at indexation (typically 1 July) and following any out-of-cycle revisions. The rebate set used by the calculator is the November 2025 indexation. If this date is more than three months old, treat the figures as approximate and verify at MBS Online.
Is this calculator financial advice?
No. This tool provides educational estimates only and is not financial, accounting, or taxation advice. For decisions about practice structure, contract negotiation, or income planning, consult a qualified medical accountant.
Can this calculator model a multi-doctor practice?
The free version models a single GP's billings. A practice-level revenue model — including multi-doctor projections, scenario comparison, and ten-year compounding — is in development for GP Tools members.
References
1. Department of Health and Aged Care. Strengthening Medicare — Bulk Billing Practice Incentive Program. Canberra: DoHAC; 2025. Available from: health.gov.au/BBPIP
2. Services Australia. About the Bulk Billing Practice Incentive Program (BBPIP). Available from: servicesaustralia.gov.au [updated December 2025]
3. Australian Government. Medicare Benefits Schedule (MBS) Online. Available from: mbsonline.gov.au [accessed May 2026]
4. Royal Australian College of General Practitioners. Resources on Medicare and chronic disease management. Available from: racgp.org.au
KEY MBS REBATES
Item 23
$43.90
Item 36
$84.90
Item 965/967
$156.55
Item 10997
$14.00
Item 707
$313.60
Item 900
$180.65
Item 695
$101.90
Item 699
$84.90
Rebates current as of 1 May 2025. Verify at MBS Online before relying on figures.
