A rough estimate, set slightly high on purpose (it leaves out the QBI deduction). Confirm with your CPA, especially if you elect S-corp.

You can sustainably draw about $9,300/mo after overhead and a reserve. Counting every hour you put in (clinical and running the business), that’s about $67/hr. That draw is before income tax, though. Set the quarterly tax aside first, and about $6,578/mo is what you actually keep.

You bill about $147/clinical hour, but across every hour you actually work it’s closer to $101/hour. The time spent running the practice dilutes your rate by about 31%.

You’re building cash, about $10,000/mo after overhead. Set the tax money aside first, then build a reserve.

At about $120,000/year in profit, an S-corp election may cut your self-employment tax enough to clear the extra payroll and filing cost. Run the numbers in the S-corp calculator, then confirm with your CPA.

Built from your own revenue, overhead, and hours, never patient data. Tax figures use 2026 brackets and the Social-Security wage base; they’re planning estimates, not accounting or advice. Confirm anything that drives a decision with your CPA.