Downtown Boston · Solo Practice

Cash Flow Simulator

Adjust your caseload, payment mix, and overhead to see how Year One unfolds — and when the practice turns cash-flow positive.

Year 1 net
—
after overhead & tax
Breakeven
—
cumulative cash ≥ $0
Gross revenue
—
before any costs
Overhead + tax
—
rent, insurance, fees, tax

Monthly cash flow & cumulative position

net positive month net negative month cumulative

Revenue mix (Year 1)

● Insurance — — Private pay — — ●

Annual expense breakdown

Planning estimate only — not tax, legal, or financial advice. Effective tax rate is a simplified stand-in for self-employment + federal + Massachusetts income tax; consult a CPA for your actual liability.