M More Client Playbook
Home Therapy Fee calculator
Updated Free, no signup Therapy ยท Pricing

Therapy fee calculator for private practice.

Target income in, required private-pay rate out — given your weekly capacity and insurance mix. Results update as you type.

Inputs
$
Gross practice revenue, before business expenses and taxes.
sessions
Most solo clinicians cap sustainable capacity at 18–25.
weeks
44–48 is realistic after vacation and holidays.
%
0% if fully private pay. 100% if only in-network.
$
Net after contracted rate. Check last 3 months of EOBs.
Live results
Required private-pay rate $0

Adjust the inputs to see your required rate.

Annual sessions at this capacity 0

Sessions per week × weeks per year. The hard ceiling on revenue at any rate.

Monthly gross income $0

Pre-expense, pre-tax. Plan business costs and self-employment tax against this.

Three honest reads

What to change when the number feels off.

The calculator output is a starting conversation, not the final answer. Use it to decide which input to move.

  • Rate too high for your market. Lower the target income, raise the % from insurance, or build capacity to 22–25 weekly sessions.
  • Capacity unrealistic. 20 sessions a week sustained year-round is hard. Plan vacation weeks and a buffer.
  • Insurance net suspiciously high. After deductibles and write-offs, real reimbursement is usually lower. Check 3 months of EOBs.
Open therapy playbook
Context

What therapists actually charge in 2026.

Setting Session rate
Insurance (in-network, net)$70 – $130
Private pay — LCSW/LPC/LMFT$120 – $200
Private pay — PhD/PsyD$180 – $300
Specialized niche$200 – $400+
Open Psychology Today guide

The number is one input. The playbook turns it into bookings.

Use the therapy playbook to design positioning, referral relationships, and a Psychology Today profile that supports the rate.

Open therapy playbook