Physical Therapy Package Pricing Calculator for Cash Clinics

Most cash clinics price per visit and then wonder why patients drop off at visit four. A package priced from your real plan of care sets the expectation on day one and tells you what each new patient is worth. The calculator below does the arithmetic; the judgment calls are how many visits to include and whether to discount.

Per-visit cash rate ($)

Visits in a typical plan of care

Pay-in-full discount (%)0 if you never discount

Visit length (minutes)

Visits you can deliver per week

Show rate (%)

Package price, paid in full$1,575

Package at full per-visit rate

$1,750

Three monthly payments

$583 each

Revenue per clinical hour

$175

Weekly revenue at capacity

$4,025

Monthly revenue at capacity

$17,428

What does each input in the package pricing calculator mean?

Each input is a number from your own clinic: what you charge per visit, how long care usually takes, and how much you can deliver. The per-visit cash rate is your standard fee for one visit. Visits in a typical plan of care is the number of visits most patients with your most common problem need. The pay-in-full discount is what you take off for payment up front; enter 0 if you never discount. Visit length and visits per week describe one clinician's schedule, and show rate is the share of booked visits that actually happen. The first three inputs drive the package price. The last three drive the capacity numbers: revenue per clinical hour and what a full schedule brings in each week and month.

What does the calculator show with the default numbers?

With the defaults, the calculator shows a $1,750 package at full rate and $1,575 paid in full, or three monthly payments of $583. Here is the arithmetic: $175 times 10 visits is $1,750, and a 10% discount takes $175 off. The three-payment option splits the undiscounted $1,750, which is the incentive to pay in full. At 60-minute visits, revenue per clinical hour equals the visit rate, $175. At capacity, 25 visits a week times a 92% show rate times $175 is $4,025 a week, and the calculator multiplies by 4.33 weeks to get about $17,428 a month. That monthly figure assumes every visit is billed at the full per-visit rate, so if most patients buy the discounted package, real collections land a bit lower.

How do I choose the number of visits in a plan of care?

Choose the number of visits from your own discharge data for the condition the package is built around, not from a round number that sounds good. Pull the last six months of discharged patients, group them by their main complaint, and look at the median number of visits. If most low back patients finish in 8 to 12 visits, a 10-visit package is honest. If you sell 10 and most need 16, you will spend your time selling add-ons. Many clinics offer three sizes: a short plan, the common one and a longer one. Rehab Lab, a two-location cash PT client in Wisconsin, sells $5,000 for 12 visits, $7,000 for 18 and $10,000 for 30, and most sales are the $5,000 package. That works out to about $417, $389 and $333 a visit, so the bigger packages carry a built-in per-visit discount.

Should I offer a pay-in-full discount?

Offer a pay-in-full discount if you want cash up front and stronger commitment, and skip it if most patients already pay in full without one. The trade-offs are real on both sides. Card processing also matters: Stripe's standard US online rate is 2.9% plus 30 cents per charge (checked October 2026), so one $1,575 charge costs about $46 in fees while three $583 charges cost about $52. Prepaid packages also bring refund questions if a patient stops early, so write a clear refund policy and check your state's rules before you sell them.

How should payment plans work for a cash clinic?

Payment plans should run on automatic card billing, split the full undiscounted price, and finish before or around the end of care. The calculator shows three monthly payments because that matches a typical 6 to 10 week plan of care: the last payment lands about when the patient finishes. Longer plans mean you are still collecting after discharge, when the patient has less reason to pay. Put the card on file at the first visit, take the first payment that day, and let the system bill the rest. The front desk should never be chasing a payment plan by phone. If you want outside financing for larger packages, compare the fee the lender charges you against the pay-in-full discount you would otherwise give.

How does a package price compare with advertised first-visit prices?

A package price is usually many times what clinics advertise for a first visit, and that gap is normal. In our Local Clinic Ad Report, pulled from the Meta Ad Library on 2026-10-01, 122 of 312 advertising clinics put a price on the first visit, and the median was $49, with the middle half between $47 and $69.

That $49 is a front door, not a price for care. A patient who books a $49 visit and buys a $1,575 package is worth $1,575 plus whatever follows, which is the number to use when you judge your ads. If you do not know what a new patient is worth, this calculator gives you a starting figure. Feed that value into the missed call cost calculator to see what slow phones cost.

What should I do with the result?

Use the result to set a package you can say out loud on the phone without hesitating, then check that the capacity numbers support the income you want. If revenue at capacity is below what you need, you have three levers: raise the rate, shorten visits, or add a clinician. Raising price is usually the fastest, and most cash clinics we see underprice. For deeper pricing guidance read how much to charge for cash-based physical therapy, and chiropractic owners should also look at membership plans. If you are still deciding whether cash pay works for you, run the cash vs insurance calculator.