Free tool · from the Side Practice Kit

What should you charge for cash visits?

Your hourly rate here is what is left before taxes, after drive time and costs, for the hours you spend in sessions and behind the wheel. What your PRN shift pays may not include those invisible costs. Your numbers stay in your browser; nothing you type is saved or sent. Like every page here, this one loads Google Analytics and Google Fonts.

Your inputs

Follow-up visit rate ($) · example: $120–200; use your market's quotes Initial evaluation rate ($) · example: the same or +$25 Visits per week you can actually protect Minutes per session (in the home) Average drive minutes per visit (round trip) Average miles per visit (round trip) No-show / late-cancel rate (%) · example: 5 with a card-on-file policy Card processing rate (%) · example: 2.7 in person, 3.5 keyed; use your processor's rate Fixed monthly costs ($) · malpractice + software + phone; example $60–120, use your quotes PRN hourly rate to compare against ($)

What the month looks like

Visits delivered per month—

Gross collections—

Mileage cost (IRS rate $0.76/mi from July 1, 2026)—

Card processing—

Fixed costs—

Net before taxes—

Hours invested (sessions + driving)—

Your hourly rate before taxes (sessions + driving)—

PRN comparison—

Drive time is reducing your hourly rate. Tighten the radius or raise the rate: every visit costs of its session time in windshield.

At these numbers, PRN shifts pay better than your own practice. Raise the rate, shrink the radius, or add visits per trip (for example, two clients in the same building).

Reminders: set aside about 25–30% of net for self-employment and income tax. Rate benchmarks vary by metro. Mileage may be deductible; track it from day one, and ask your CPA.

Plan the rest of your side practice

The Side Practice Kit is the whole setup: entity, malpractice, intake, first-visit paperwork, and this calculator. For Florida PTs.

See the Side Practice Kit