The Therapist CPA
Accounting and tax strategy
built for private practice
PruittPrepCPA.com
Free Tools

Know what your practice actually earns.

Seven calculators built specifically for therapists in private practice. No signup, no email required. Move the sliders, see your numbers, and find out where the money in your practice is actually going.

Pick the one that fits your question

Each opens in your browser. Nothing is saved or sent anywhere, so your numbers stay yours.

Solo practice

What do I actually take home?

Model your caseload, your self-pay rate, your insurance reimbursement, and your overhead. See what lands in your pocket after costs and an estimated tax set-aside.

Answers: Is my rate right? What would shifting toward self-pay be worth? What is my real blended rate per session?
Open calculator
Anyone taking insurance

Platform or direct credentialing?

Compare what Headway, SonderMind, Rula, Grow, or Alma pay you against holding your own panel contracts. Includes credentialing costs and the first-year wait.

Answers: What is convenience actually costing me a year? At my caseload, which model pays more?
Open calculator
Group practice

What is each clinician worth?

Run your whole team, or go clinician by clinician with individual session counts and pay splits. See the profit each seat contributes after their share of overhead.

Answers: Who is actually profitable? What is an unfilled calendar costing me? What happens if utilization rises two sessions a week?
Open calculator
Any practice owner

The five numbers dashboard

A sample CEO dashboard showing the five numbers every practice owner should know: profit per session, comp ratio, utilization, margin, and months of runway.

Answers: Is my practice healthy? How long could I survive with no new clients? Where is margin leaking?
See the sample
Growing practice

What does a new clinician cost?

Compare the same hire four ways: W2 or 1099, flat rate per session or a percentage of collections. Includes employer payroll taxes, FUTA, SUTA by state, benefits, and their share of overhead.

Answers: Can I afford this hire? What does the classification actually cost me? Flat rate or percentage?
Open calculator
Any practice owner

Where is the profit going?

Split your profit into the jobs it has to do: your draw, your profit, retirement, savings, and the tax set-aside. See what percentage of every revenue dollar each one takes.

Answers: Am I paying myself enough? How much profit has no decision attached to it? What is my real tax set-aside?
Open calculator
Solo through large group

How do my numbers compare?

Benchmark your overhead, rent, admin support, clinician payroll, and owner pay against the target ratios for a practice your size, from solo up through a group over $1M.

Answers: Is my overhead high for my size? Am I underpaying myself? Which category is eating the owner line?
Open calculator

Why we built these

Most therapists were handed a business without being handed a single tool to run it. You were trained to be an excellent clinician, and then left to guess at rates, payer mix, utilization, and whether any of it was actually working.

These are the same models we build for our clients, with sample numbers in place of real ones. They are free because a practice owner who can see their numbers makes better decisions, whether or not they ever work with us.

Want these loaded with your real numbers?

These calculators run on assumptions. When we keep your books, the same models fill in automatically every month with your actual revenue, payer mix, and overhead. No sliders, no guessing, no surprises in April.

Book a call
These calculators are for general educational and planning purposes only. They produce estimates based on the figures you enter and do not constitute tax, legal, accounting, or investment advice, and they do not create a client relationship. Reimbursement rates, platform terms, credentialing costs, and tax rates vary by state, payer, license, and individual circumstances, and change over time. Platform figures shown are midpoints of publicly reported ranges, not quotes. Always confirm your own contract terms, and consult a qualified professional about your specific situation.