Free Resources for Private Practice & Private Pay Therapists

Running a private practice means making financial and business decisions that most therapists were never trained for. These tools are built to change that. Whether you're just starting out, considering dropping insurance panels, or trying to build a practice that actually sustains you — you deserve numbers that reflect your real life, not our best guess. Use these resources for free, at your own pace, and walk away knowing your worth.

Person typing on silver laptop at wooden table with grey couch in background

Session Fee Calculator for Private Pay Therapists

This private pay rate calculator for therapists is useful if you're considering going private pay, dropping insurance panels, or building an out-of-network practice. It helps you find a rate that covers your real costs without relying on reimbursement rates as a benchmark.

Whether you want to work from the top-down, starting with your annual income goal, or from the bottom-up, using a life-based calculation that helps you figure out exactly what you need to sustain your life—you’ll end up with a fee that feels securely rooted in information, not fear.

Therapy Rate Calculator
Practice details
Session hours per week20hrs/wk
530

Weeks worked per year46wks/yr
4048

Income goal
$
Business expenses (monthly)
$
$
$
$
$
$
$
$
$
$
Taxes
Many therapists in private practice estimate around 30%, which accounts for self-employment tax (~15.3%) plus federal and state income tax. If you're unsure, 30% is a reasonable starting point — you can always adjust later.
%

Let's start from the bottom up

Instead of starting with a number you hope to make, this calculator starts with your real life. Enter your actual monthly expenses — personal and business — and we'll work backwards to figure out exactly what you need to charge. No guessing. No undercharging. Just a rate that's rooted in reality.

Housing (monthly)
$
$
$
Everyday living (monthly)
$
$
$
$
$
Family & dependents (monthly)
$
$
$
Health & wellness (monthly)
$
$
$
Debt payments (monthly)
$
$
Savings & future (monthly)
$
$
$
Business expenses (monthly)
$
$
$
$
$
$
$
$
$
$

Taxes
Many therapists in private practice estimate around 30%, which accounts for self-employment tax (~15.3%) plus federal and state income tax. If you're unsure, 30% is a reasonable starting point — you can always adjust later.
%
Income buffer

Choose how much breathing room to build into your rate. This buffer protects you from unexpected gaps, slow months, and the unpredictability of running your own practice.


Referral & Retention Audit for Therapists: Understand Where Your Clients Are Coming From

Understanding your session fee is only part of building a sustainable practice. The other part is knowing where your clients are coming from — and why they stay or leave. This free audit helps you take a honest look at your referral sources and client retention patterns so you can stop guessing and start making intentional decisions about how you grow.

Drop your email below and I'll send you the Referral & Retention Audit directly. You'll also join a community of therapists building practices that are financially grounded, burnout-resistant, and built around their actual lives.

Have Questions that You Want To Talk Through?

Join The Next Pop-Up Office Hours on:

Friday, May 29th at 11am CST

60 Minutes • Limited to 6 Therapists • $65 • Your Practice Questions Answered

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Ready to stop Reading and start doing?