61 calculators
The calculators.
Your own numbers in, a real figure out — and a link to the rate or statute behind every line.
61 calculators, grouped by what they are about. All of them run in your browser. Your entries are not sent to us. Some tools let you save on this device or export a file; no account is required. Check each tool for its assumptions and linked sources.
Choose the question you need to answer, then use the related guide or official source before acting on the result.
Money
CalculatorCheck source dateWhat does my practice actually pay me?Rate and caseload in, a real net figure out, tax and costs deducted12 expense categoriesCalculatorCheck source dateHow much of my tax bill is optional?Your own profit priced against every deferral account, and the entity choice$18,244 optional on a $217,350 profitCalculatorCheck source dateHow much do I need to earn to live here?Seven cost categories and the loan payment, ending in one break-even figure$4,851 break-even a month, with the loan
Licensure
CalculatorCheck source dateCan this person and arrangement support my California associate hours?A private multi-license screen for the supervisor, employer relationship, weekly plan, and required records11 arrangement checksCalculatorCheck source dateAm I on track for California psychologist renewal?A private returning progress record for the 36-hour CPD cycle36 hours · 4 categories · 0 data sentCalculatorCheck source dateWhat does my next California BBS license renewal require?A private renewal workspace for timing, status, fees, CE and reminders3 licenses · 4 checkpoints · 0 data sentCalculatorCheck source dateHow do I track my APCC hours toward LPCC licensure?A private APCC ledger with license-specific categories, record safeguards, forms, and exam handoff3,000 supervised hoursCalculatorCheck source dateHow do I track my ASW hours toward LCSW licensure?A private ASW ledger with license-specific categories, record safeguards, forms, and exam handoff3,000 supervised hoursCalculatorCheck source dateShould I become an LMFT, LCSW, or LPCC in California?Side-by-side rules and a three-license progress planner3 California pathsCalculatorCheck source dateWhere can I look for an MFT practicum site in California?A private statewide research workspace separating official clinical systems from broader candidate organizations2,041 public organization recordsCalculatorCheck source dateWhere should I search for county therapist jobs in California?A regional launchpad connecting all 58 official county portals with public pay and workforce evidence58 verified county portalsCalculatorCheck source dateWhen will I actually be licensed?Your working week projected against all four requirements, naming the slowest500 relational hours inside the 1,750 directCalculatorCheck source dateIs this associate job offer any good?Two offers compared on take-home, real hourly worth and licensure date1,750 direct hours minimumCalculatorCheck source dateHow do I transfer an out-of-state psychologist license to California?A private category and hours checker with the application packet, costs and official Board sources3 categories · 3,000 total · 1,500 postdoctoralCalculatorCheck source dateHow do I become a Registered Psychological Associate in California?Check the education route, active and inactive clocks, weekly supervision, SPE cap and Board fees72 active months · 30 inactive · 44 hours/weekCalculatorCheck source dateWhen does my associate registration run out, and which hours still count?The registration's hard stop and renewal dates, the hours cutoff, the earliest lawful application date and the weekly pace, from the reader's dates7 years from 2027, 104 weeks, 40 a weekCalculatorCheck source dateWhat must an associate or trainee tell clients before the first session?The statutory disclosure for the reader's status, name, number, employer and supervisor, with the Notice to Clients where it applies, printed with a delivery line5 sectionsCalculatorWhat will the BBS actually cost me?Every fee still ahead of you on the reduced July 2026 schedule, with external exam costs kept separateCalculatorCheck source dateWhat will my student loans cost on Standard, on RAP, and on the PSLF path?The Standard and RAP payments from the published rules, a month-by-month RAP balance, and the cost and remainder of 120 PSLF payments1–10% of AGICalculatorCheck source dateWhat will supervision cost me between here and 3,000 hours?The Board's weekly units on your schedule, the weeks left, the supervision hours and the cost at your rates after the employer's share1 or 2 units a week
Insurance & pay
CalculatorCheck source dateHow can I track several therapist insurance panel applications without confusing credentialing with an effective contract?A private on-device application portfolio with eleven separate milestones, follow-up dates, JSON backup, calendar export, and explicit billing boundaries11 separate milestonesCalculatorCheck source dateWhat does my actual payer mix produce after administrative friction?Editable multi-channel revenue, time, delay and concentration scenario with no published rate assumptions4 editable channels · 0 data sentCalculatorDoes this insurance panel actually pay more?Panel and private-pay revenue after fill rate, no-shows, billing and administrationNet revenue and timeCalculatorWhich written insurance offer is actually worth more?Fees, fill rate, no-shows, administration and total working time comparedTwo offers side by sideCalculatorCheck source dateHow do I write a good faith estimate for a self-pay therapy client?A printable estimate carrying the eleven required elements, the delivery deadline for the reader's scheduling, and the dispute facts11 elements, 3 clocksCalculatorWhat should I ask when verifying behavioral-health benefits?A private printable checklist for network, cost-sharing and authorization questionsNothing storedCalculatorCheck source dateHow much does Medicare pay an LMFT or LPCC in California per session?The 2026 allowed amount for the reader's locality and code at 75% of the psychologist rate, Medicare's 80% net of sequestration, the patient's 20%, and a 29-locality table$134.47 LA 90837CalculatorCheck source dateHow much does a client get back from a therapy superbill?Sessions spent meeting the out-of-network deductible, the year's reimbursement, its share of what was paid, and the net cost per session, at the client's plan numbers25 sessions, $1,656 backCalculatorCheck source dateHow do I make a superbill a client's insurance will accept?A printable superbill carrying every field the superbill page lists, one row per date of service, with totals and the telehealth codes7 codes, 12 rowsCalculatorCheck source dateHow much do I send the IRS and the FTB each quarter, and when?This year's tax computed, both safe harbors applied, and eight dated payments including California's 30-40-0-308 dated paymentsCalculatorCheck source dateHow do I disclose my fee and policies before treatment begins?A printable fee disclosure and financial policies statement in the reader's numbers, with the CMS estimate notice and a signature line4 statutes, 1 noticeCalculatorCheck source dateHow many clients can I lose to a fee increase and still come out ahead?The break-even attrition, the year with and without the raise after tax, and a phase-in where only new clients pay the new fee1 − old ÷ newCalculatorCheck source dateHow much does a first year in private practice cost a California therapist?Fixed overhead a month and a year from published prices, the sessions that cover it, and what is left before tax at the reader's fee and schedule$320 liability, $79 EHRCalculatorCheck source dateWhat do I have to charge to take home what I need?Your take-home target worked back to gross, then to a rate at every caseload and a caseload at your rate, with the tax stack visibleone gross, two answersCalculatorCheck source dateHow much can I put into a SEP, a solo 401(k) or a SIMPLE this year?The most each plan allows on your profit and age, and what the contribution saves in this year's federal and California income tax3 plans, 7 profit levelsCalculatorCheck source dateWhat does a sliding-scale slot actually cost me after tax?The after-tax cost of each reduced session and the full-fee sessions that carry it, on your own fee, mix and costs1 slot, priced after taxCalculatorCheck source dateAt what caseload does private practice beat my salaried job?Your job's take-home plus benefits against a private practice at every caseload, and the weekly sessions where the two crossone crossing point
Practice
CalculatorCheck source dateWhich California therapist deadlines belong on my calendar?A private downloadable calendar selected by license stage and practice structure6 deadline familiesCalculatorCheck source dateWill adding clinicians create operating profit after every modeled cost and the owner's management time?Private group-practice P&L, margin and break-even simulator with sourced 2026 payroll assumptions15 editable inputs · 0 data sentCalculatorCheck source dateHow can I organize the administrative side of my California therapy practice?A browser-only weekly desk joining tasks, saved tools, Vault resources, evidence, and change tracking5 weekly review questionsCalculatorWhat can I change when a therapist referral search gets no match?A transparent constraint check with one-at-a-time alternatives and no false provider-supply estimateAggregate demand patternsCalculatorHow do I write a therapist referral request without identifying the client?A structured request that separates requirements from preferences and omits client-identifying detailsAggregate demand patternsCalculatorCheck source dateWhat does one recurring therapy-office day cost in the Bay Area?Eleven sourced asking-price examples and a browser-only cost-per-completed-session calculator$100–$500 in the public sampleCalculatorCheck source dateShould I lease, sublet, or rent a therapy office by the hour?A capacity-first simulator comparing hourly space, a recurring office day, and a dedicated room3 commitment formatsCalculatorCheck source dateHow much does hiring an associate cost, and when do they pay for themselves?Loaded employer cost line by line, supervision time at the reader's rate, what the practice keeps at their caseload, the break-even, and a ladder from 4 to 25 sessions$77,002 loaded, 14 to break evenCalculatorHow do I fill my caseload?Client lifetime value, the leakiest channel, and a monthly enquiry target$4,800 per client over 24 sessionsCalculatorCheck source dateAm I a HIPAA covered entity as a California therapist?Whether the practice meets the covered-entity definition on the reader's answers, with the four sentences of rule it comes from1 electronic claimCalculatorCheck source dateHow long does a California therapist have to file a mandated report?Exact deadline times for the written child-abuse follow-up, the elder-abuse report in and out of a facility, and the trainee's supervisor notice, with the duty-to-protect record fields36 hours, 2 working daysCalculatorCheck source dateCan a 12-year-old consent to therapy in California without a parent?Which section applies to this minor, this therapist and this payer, the parent-involvement and payment rules that follow, the record entry, and the parent's access to the file12 or olderCalculatorCheck source dateWhat does the Notice to Clients have to say, and how do I make one?The statutory notice for each Board license, filled in with the four facts required since 1 July 2025, printable at 14-point4 facts, 12-point minimumCalculatorCheck source dateWhat should a California therapist's professional will say, and how do I write one?A printable professional will in seven sections from your own details, with the retention, access and notification duties it is written around7 sectionsCalculatorCheck source dateWhat has to be in a telehealth consent for a California therapist?A printable consent carrying the four items the Board's telehealth standard requires on initiation, and a session-start record for the two it requires every session4 items, then 2 every sessionCalculatorCheck source dateDoes my therapist profile meet the BBS advertising rule?Each required element of 16 CCR 1811 reported present or missing in the pasted text, and every form the Board's example sheets flag that appears in it3 elements, or 5CalculatorCheck source dateHow many clients does a therapist have, and how many is my week?Active caseload, yearly intake and the workweek computed from kept sessions, attendance, cadence and tenure18 = the solo medianCalculatorCheck source dateWhat do no-shows cost me, and what is a cancelation policy worth?The take-home lost to empty hours and what a cancelation policy recovers after tax, with the Medicare and Medi-Cal charging rules applied1 empty hour, pricedCalculatorCheck source dateBy when must a California therapist respond to a client's records request?Inspection, copies and summary deadlines from the request date, the fee cap, and the date the seven-year retention rule lets the file go5 working days, 15 daysCalculatorCheck source dateCan I see California clients from abroad?The Board's own answer, then the same practice priced in eight places+$18,700 at the best of the eight
Education & training
CalculatorCheck source dateHow do I organize California MFT applications and compare practicum uncertainty?A saved application board, sourced practicum questions, next deadline, and consequence-of-delay comparison78 programs · up to 8 applications · 0 personal values sentCalculatorCheck source dateWhich California MFT program has the lowest real financial exposure for me?Three programs compared on published facts, personal costs, earnings given up, and an optional payback scenario78 programs · 3 at a time · 0 data sentCalculatorWhat will a specialty-training path actually require and cost?A browser-only full-cost model plus four primary-source specialty evidence records8 editable cost inputs · 0 data sentCalculatorWill a therapist training ever pay for itself?Full cost, break-even sessions, payback period and first-year returnTravel and missed work included
