🏥 Healthcare Tools
Therapy Rate Calculator
Find your minimum profitable therapy session rate based on real overhead and tax.
Your practice costs
Rent, software, insurance, CPD, admin
Actual client-facing hours
Self-employment tax estimate
Above costs — typically 15–25%
Enter your overhead and hours to find your minimum rate.
Frequently Asked Questions
How much should therapists charge per session?
US private-pay rates commonly run $100–200 per 50-minute session, higher in major metros and for specialized modalities. Your rate must cover documentation time, no-shows, and unbillable admin — not just the hour.
How many clinical sessions per week is sustainable?
Most full-time therapists cap at 20–30 clinical hours; documentation and coordination consume the rest. Price against 25 sessions, not 40 — burnout math is business math in therapy.
Should I take insurance or stay private-pay?
Insurance fills a caseload faster at lower effective rates ($60–110 after clawback risk and billing labor); private-pay pays more per hour but demands marketing. Many therapists run a deliberate mix.
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