Therapy Session Cost & Affordability Estimator
Estimate your monthly and annual therapy costs after insurance, and see how they compare to your income and recommended mental health spending benchmarks.
Typical range: $100–$300 per session (private pay). Sliding scale may be lower.
Weekly = 4, Bi-weekly = 2, Monthly = 1.
Used to calculate affordability ratio.
Pre-tax dollars reduce your effective cost. Therapy is HSA/FSA eligible.
Formulas Used
Gross Annual Cost = Session Rate × Sessions/Month × 12
Copay Plan Annual OOP:
Coinsurance Plan Annual OOP:
Effective Annual Cost = Annual OOP − min(Annual HSA/FSA, Annual OOP)
Income Ratio = (Effective Annual Cost ÷ Annual Income) × 100
Effective Cost per Session = Effective Annual Cost ÷ Sessions per Year