Your Real Costs
Taxes, overhead, and the hours nobody pays you for.
A Realistic Week
Sessions you can actually hold, not the ones on paper.
Your Number
One figure you can hold every rate and panel up against.
Know Your Number
Your income floor is the per-session number you need to average across a realistic week to actually run your life. Below it, no rate makes sense, whatever anyone offers you.
Most therapists judge a rate against an empty hour, or against the fee they wish they charged. Neither one is real. This worksheet builds the real number from your own figures, in about twenty minutes with a pen.
Fill it in once and you will never again wonder whether a panel rate, a platform split, or a sliding scale spot is worth it. You will just know.
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