What would a different caseload change?
Compare two plans for your therapy practice, using your own payments, expenses and working time.
Try fewer appointments, a different private-pay mix or lower overhead. See what each plan leaves after recurring practice costs, alongside the hours spent in sessions, notes and admin.
$29 USD · one-time purchase
Private browser workspace and offline download. No subscription.
Get the Practice Economics Planner — $29Access delivered by email after confirmed payment. See what’s included.
One planner for the assumptions that belong together.
- Two editable scenarios: compare caseload, attendance, working weeks and private-pay/insurance mix.
- Channel costs: enter percentage fees and flat per-session charges separately for private-pay and insurance visits.
- Practice expenses: include other per-session costs, monthly overhead and annual recurring costs. Keep setup costs separate.
- Money and workload: review annual operating surplus, first-year balance, total work hours and surplus per work hour.
- Targets you can examine: see the approximate weekly workload needed to cover recurring costs or reach your entered owner target. The private-pay threshold solves the model; it does not recommend a client fee.
- Work you can keep: browser autosave, JSON backup/restore, readable text export, browser print/save as PDF and an optional standalone HTML copy.
Version 1.0. Calculations and method reviewed October 22, 2026. Starts with fictional examples, not platform rates or market benchmarks.
Enter, compare, then decide what needs checking.
Scenario A
Describe your current plan using your records or written terms.
Scenario B
Change the assumptions you want to examine.
Compare
Put the annual balance and workload next to each other.
Decision
Record what to verify before you act.
Built for independent-practice planning.
Use it when you are planning or reviewing a licensed therapy practice and can supply your own payment, expense and workload assumptions. It models an annual steady state rather than a month-by-month startup forecast.
It does not calculate personal take-home pay, taxes, benefits, reserves, payroll or debt principal. It does not model collection delays, guaranteed referrals or paid cancellations. Missed visits add no time in the model; include related work in admin hours.
Keep the free guides.
You are buying an editable calculator and planning workspace. The Clinician Pay Guide, Florida therapist pay guide and practice guides remain free.
The general contribution-margin method follows the SBA’s break-even guidance. Your records and agreements determine the inputs. This is educational planning, not financial, tax or fee-setting advice.
Before you buy
How do I receive and open it?
After confirmed payment, we email a private access link to the address used at checkout. Open it in a current browser on your phone or computer. Keep the email to return later. Download the offline ZIP, then extract it and open the standalone HTML planner. The ZIP also contains instructions and method notes. No app installation is required.
If delivery is missing, check Spam and contact us using your purchase email. Do not buy again to fix an access problem.
Does it save or sync my work?
Entries save on the browser you use. They do not sync between devices or between the hosted and downloaded copies. Export a JSON backup to transfer both scenarios and notes. Browser clearing, private browsing and storage restrictions can remove local work; keep your own backup. Older DTL Practice Economics backups are supported.
What should I enter for payments and fees?
Use expected collected payments before the entered channel fees. If a payment already has a fee deducted, enter zero for that fee to avoid subtracting it twice. Flat fees apply per attended session in that channel. If only some sessions incur a charge, use your estimated weighted average. Do not count the same expense again as overhead.
Does the suggested payment mean I should charge that fee?
No. It is the mathematical private-pay threshold needed to reach your entered owner target with other assumptions held fixed. It cannot establish client demand, affordability, contract terms or what you should charge. Workload thresholds may exceed your available time.
Can I enter client or financial records?
Keep client information, bank details, passwords and identifiers out of the planner. Use short planning assumptions and questions. Entries are not sent to Degree to License; the hosted site processes purchase and access information separately. Protect your backups and private access email.
Can I request a refund or share the files?
Request a refund within 14 days of purchase through our contact page. Include your purchase email and product name, without card details. Your purchase is for your personal use on your own devices. Do not resell or redistribute the planner or private access link. You may share your own completed report after removing private information.
Put your next practice decision into numbers.
$29 USD · one time
Two scenarios, private browser access, backups and offline downloads. No recurring charge. Review your final total in secure checkout.
Get the Practice Economics Planner — $29Refund requests within 14 days. Questions before buying?