Your take-home pay (after overhead & estimated taxes)
$0 / year
$0 / month
This is what you keep, not what you bill.
Blended rate / session
$0
across your payer mix
Gross revenue
$0
per year, before costs
Take-home margin
0%
of every dollar you bill
Move a lever, watch your take-home change
All insurance
Balanced 50 / 50
All self-pay
40% 40% self-pay · 60% insurance
25 seen per week
$150 per session
$100 per session
$2,000 rent, EHR, software, etc.
25% of profit
Rough illustration only, not tax advice. Your real rate depends on your entity, income, and state.
Where your revenue comes from
Self-pay
Insurance
Self-pay
Insurance
Each self-pay session nets you $50 more than an insurance session.
Full breakdown
Per year
Per month
The lesson for solos. You have three real levers, and only one of them means working more. You can see more clients, you can raise your rates, or you can shift your mix toward self-pay. Two of those three grow your take-home without adding a single hour to your week. That is the quiet power of the payer-mix decision.
