Free calculator

What is this clinician actually worth to the practice?

Most dashboards stop at billings minus pay. The fully-loaded number adds employer payroll taxes, supervision, and overhead: the costs that decide whether a clinician is profitable.

Example numbers to start. Change the fields to see your practice.

Gross monthly billings · Enter what you'd bill if every slot were full and kept. The next line takes off what never lands. (Bill $10,000 and collect $9,000: that's 10%.)$What never lands · % of a full schedule that doesn't pay: no-shows and late cancels (minus any fees you collect for them), openings that stay empty, cancellations you can't refill, time off%

How they’re paid

Hybrid or stipend model? Enter the blend: their typical total monthly pay under Salary, or their overall percentage under % split.

Their split (% they keep)%Employer payroll-tax load · ~7.65% FICA; add FUTA/benefits if you pay them%Non-billable supervision · Time paid for supervision that ISN'T billable to a client — a senior training an associate, an external consultant. This subtracts from net (it's a cost the practice absorbs).$Billable consult time · Consult team or supervision time that IS billable as part of the treatment package (DBT-style consult teams are the classic case). Include the revenue side in gross billings above; entering it here just documents the portion. Does NOT reduce net — it's already in revenue.$Overhead share · The slice of rent, admin, software, and malpractice that belongs to one clinician. There's no perfect split. By hours, headcount, or rooms, applied consistently, beats allocating zero.$

The result is what this clinician actually earns the practice each month, after everything they cost: their pay, the payroll taxes on top of it, any supervision or consultation, and their share of the rent and admin. We call that the fully-loaded net. Most dashboards stop early, at billings minus pay — and that stopping point can make a money-losing hire look fine.

$1,368/mo

Per-clinician fully-loaded net

Healthy

$8,100

What actually collects

$900/mo missed or unfilled

$5,232

Their pay, all-in

Take-home $4,860 + taxes $372

$2,868

Left before overhead

where most dashboards stop

$16,419

Annual fully-loaded net

This clinician contributes $1,368/mo to the practice — a 17% net margin after pay, overhead, and supervision. Over a year: $16,419.

Inputs are your own estimates, and nothing leaves your browser. Employer payroll taxes, supervision, and overhead are the items most dashboards omit; that is why the fully-loaded number differs from a simple billings-minus-split read.

The method behind this number, written out: the Keystone Standard →

That is one seat, roughly. The full read runs every seat, exactly, and puts your three highest-dollar decisions in front of you, each with a drafted first step: $79, one-time.

See your whole practice free →

This is one slice. The full Snapshot shows every clinician, your own real hourly rate, and where the money actually goes. Free, about five minutes, nothing leaves your browser.

See your whole practice free →View a sample

Free. No signup. The free read runs in your browser.

Reproduce this

These figures come out of a public calculator anyone can call, with no key and no account. This is the exact request that produces them:

curl -s https://keystonepractice.co/api/engine/fully-loaded-net \
  -H 'content-type: application/json' \
  -d '{"grossBillingsMo":18000,"noShowRatePct":10,"compKind":"split","splitPct":60,"salaryMo":6000,"erLoadPct":7.65,"supervisionMo":0,"overheadShareMo":1500}'

See every calculator this API exposes →

Cite this page

Link to this page and attribute it to Keystone Practice:

Keystone Practice. "What is this clinician actually worth to the practice?" https://keystonepractice.co/tools/clinician-net

Embed this calculator on your site

<iframe src="https://keystonepractice.co/embed/clinician-net" width="100%" height="720" loading="lazy" style="border:1px solid #e6ebef;border-radius:12px"></iframe>