Keystone Practice: The Money Side of Running a Practice

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Sample Group Practice

Financial Snapshot

June 2026

2 / 4

clinicians actually make money at their current caseload

11.5%

Profit margin

1.7mo

Cash runway

Your thinnest day

Your thinnest day is around the 5th, projected $24,512. Set your operating floor in your practice setup and we will tell you how much room that leaves.

What this assumes

Payroll is split evenly across your pay dates. We assume checks land on the 5th and the 19th.
Your monthly overhead comes out on the 1st.
Costs you pay quarterly or once a year are averaged into that monthly overhead figure, so they land a little each month instead of all at once in the month they really arrive.
Everything else you spend, and everything you take in, is spread evenly across the month.
This is your operating account only. Your reserve is not counted here.

What we found

2 of your 4 clinicians don't yet cover their share of overhead at current hours. Pay runs 44.3% of revenue, and clinicians are 86.3% full against target.

The key numbers

Hours filled

86.3%

Pay vs. revenue

44.3%

Cash on hand

$34,000

Reserve fundedWatch

64.4%

Each clinician's margin

After their own costs, before overhead. Ranked highest to lowest.

Alex

$4,883/mo

Bri

$3,297/mo

Cass

$1,637/mo

Devon

$1,062/mo

Clinician by clinician

Margin is what's left after their own costs; Net is after their share of overhead

Clinician	Hours	Revenue	Cost	Cost/hr	Margin	Net/mo	Breakeven	Comp model
Alex	30.0	$11,375	$6,492	$100	$4,883	$3,083	14.0 hr	Commission
Bri	24.0	$9,100	$5,803	$112	$3,297	$1,497	16.3 hr	Fee-split
Cass	20.0	$6,500	$4,863	$112	$1,637	-$163	21.3 hr	Commission
Devon	14.0	$4,550	$3,488	$115	$1,062	-$738	18.5 hr	Fee-split

Growth headroom

If every ramping clinician filled to a full schedule. Overhead is mostly fixed, so most of this added contribution drops straight to profit.

+$4,274/mo

Potential added contribution

≈ $8,775/mo more coming in
26.0 unfilled hrs/period

Devon12.0 hrs/period · +$2,025/mo

Cass8.0 hrs/period · +$1,099/mo

Bri4.0 hrs/period · +$766/mo

Alex2.0 hrs/period · +$383/mo

What to do next quarter

The numbers above are free. What to do about them comes with the paid Snapshot.

Close Devon's gap: ~4.5 more clinical hrs/period to clear breakeven · ~$738/mo

Running ~$738/mo under fully-loaded breakeven at observed hours.

Note: raise caseload, billing rate, or revisit comp

Close Cass's gap: ~1.3 more clinical hrs/period to clear breakeven · ~$163/mo

Running ~$163/mo under fully-loaded breakeven at observed hours.

Note: raise caseload, billing rate, or revisit comp

How we calculated this

Everything here comes from aggregated revenue and hours, never patient data. Cost includes wages, employer payroll taxes, 401(k) match, benefits, supervision, payment processing, and a share of fixed overhead. Where your roster names a supervisor, the supervision one clinician receives is credited back to the clinician providing it, so the practice counts it once. Thresholds are operator benchmarks; figures are planning estimates, not accounting.

How your overhead is split

Overhead of $7,200, split evenly per clinician.

Clinician	Split	Overhead share	% of total
Alex	even	$1,800	25.0%
Bri	even	$1,800	25.0%
Cass	even	$1,800	25.0%
Devon	even	$1,800	25.0%

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Prepared with Keystone Practice · keystonepractice.co

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