Business & Therapy Newsletter

New Resource for Private Practice

Stop guessing.
Start charging
what you need.

The Fee-Setting Calculator tells you exactly what to charge — based on your real income goal, your schedule, your staff, and your obligations. No spreadsheet experience required.

Get the Calculator — $19
One-time purchase. Yours forever. Updated for life.
fee_setting_calculator.xlsx
📊 Calculator
📈 Scenarios
📋 Guide
A › Income Goal
Desired annual income$85,000
Business expenses$8,000
Tax rate (SE + income)37.3%
⟹ Revenue needed$148,325
C › Employee Costs
W-2 employees1
Avg salary + payroll tax$48,443
1099 contractors1
⟹ Total people cost$78,443
E › Full Revenue Target
⟹ TOTAL TARGET $236,768
F › Your Session Rate
Minimum (break-even)$219
Recommended (85%)$258 ★
Premium (70%)$313
↑ Blue = your input  ·  Gold = key output  ·  Green = calculated
600+
therapists in our community
48%
newsletter open rate (3× industry avg)
3
tabs of tools, guides & scenarios
$19
one-time, no subscription

Why this exists

You were trained to heal people.
Not to run a business.

Most therapists set their rate by asking a colleague, googling "average therapist fee," or just picking a number that feels reasonable. None of those methods account for your actual financial picture. The result? A practice that stays busy but never quite feels financially secure.

This calculator fixes that. It builds your rate from the ground up — starting with what you actually need to earn, then layering in your real costs, your team, and your obligations.

❌ "I just charge what others charge"
Market rates don't know your tax burden, your student loans, or how many weeks you take off. You might be earning far less than you think.
⚠️ "I'm fully booked but still stressed about money"
If your rate doesn't account for your real revenue target — including staff costs and debt — a full caseload still leaves a gap.
✓ What you actually need
A rate built from your income goal, your availability, your people costs, and your obligations — so every session you book moves you closer to financial stability.

What's included

Everything in one file.
No signup. No app. Just answers.

📊
The Main Calculator
Enter 7–10 inputs and instantly see your minimum, recommended, and premium session rates — calculated from your full financial picture, not just personal income.
Tab 1 of 3
💼
Employee & Contractor Planner
Model the true cost of hiring — including W-2 payroll taxes and 1099 contractor pay. See how staff costs affect your required session rate before you commit.
Section C
📋
Debt & Expenses Section
Add monthly loan payments, planned investments, and savings goals. Your rate reflects your complete obligations — not an optimistic oversimplification.
Section D
⚖️
Insurance vs. Private Pay
Side-by-side comparison showing your revenue gap or surplus under each model. See in dollars whether your panel mix is working for you — or against you.
Section G
📈
Rate Scenarios Tab
See how raising your rate by $25 affects annual revenue, sessions needed, and whether your people costs are covered — across five rate tiers at once.
Tab 2 of 3
📚
Full Concept Guide
Plain-language explanations of every term — including "revenue gap," "utilization rate," and how every input connects to your final rate. No financial background needed.
Tab 3 of 3

Key highlights

Built for how
therapists actually think.

🎯

Your rate. Your numbers.

Every output is calculated from your specific inputs — income goal, schedule, tax rate, staff, and debts. No generic averages or one-size estimates.

⚡

Results in under 5 minutes

Change a number, see the rate update instantly. No formulas to write, no setup required. Comes in two versions — Excel (.xlsx) for PC, Mac & Google Sheets, and a native Apple Numbers file for Mac & iPad.

🏗️

Plan for growth before it happens

The employee planner lets you model the cost of hiring before you sign an offer letter. Know your break-even before you commit.

📖

Plain language throughout

Every cell has a hint. Every term has a full explanation in the Guide. Designed for clinicians, not accountants.

📊 Fee-Setting Calculator
Business & Therapy · Your numbers, your rate
A › Income Goal
Desired annual income $85,000
Business expenses $8,000
C › Employee Costs
W-2 employees (1 admin) $48,443
1099 contractor $30,000
D › Debt & Planned Expenses
Student loan payments $6,000/yr
⟹ Full Revenue Target $236,768
F › Your Session Rate
Minimum (break-even) $219
★ Recommended (85% util.) $258
Premium (70% util.) $313

The scenarios tab

What does a $25 rate increase
actually mean for your year?

$125/session
$114,750/yr
↓ $33K short
$150/session ★
$137,700/yr
Near target
$175/session
$160,650/yr
↑ $12K surplus
$200/session
$183,600/yr
↑ $35K surplus
The math most therapists never do: At $125/session vs. $175/session, a fully booked practice earns $46,000 more per year — without seeing a single extra client. The Scenarios tab makes this visible in seconds.

From the community

What therapists are saying

★★★★★

I've been in practice for 6 years and never actually sat down to do this math. Turns out I was $40/session short of where I needed to be. This paid for itself in the first week.

Licensed Therapist, LCSWSolo private practice, Chicago
★★★★★

The employee planner section is worth the price alone. I was about to hire an admin assistant and had no idea what it would do to my required rate. Now I do.

LPC, Group Practice Owner4 associate therapists, Austin TX
★★★★★

The guide tab explains things like 'revenue gap' in a way that finally clicked for me. I'm not a numbers person at all and I got through it in one sitting.

MFT, Private PracticeTelehealth only, Pacific Northwest

Simple pricing

One tool. One price.
No subscriptions.

Fee-Setting Calculator for Therapists
$19
One-time purchase · Instant download · Both versions included
🔒 Secure checkout  ·  Both versions in one download  ·  For educational purposes — consult your CPA

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