Why not just charge what everyone else charges?

A published market rate does not know your rent, your award wages or the van you still owe money on. Two businesses can charge the same session and one of them is losing money. Use the price index to see the market, then use this calculator to see whether that market rate actually pays you.

The treadmill was a grant or already paid off. Do I still enter it?

Yes, at what it will cost to replace, not what you paid in 2019. A grant bought the first one. It will not buy the second. If you type $0 the session rate assumes water therapy is a labour business. It is not.

Initial consults are longer. Should I average them in?

Type your follow-up as the current price. Initials should sit above the floor this calculator prints. If initials are half your week, raise minutes per session until the diary matches the week you actually live.

Why does worn-out equipment sit in the price?

Because you will buy it again. Spreading the cost over its useful life is a replacement reserve, not a depreciation lecture. If you skip it, the next dryer, treadmill or fence comes out of the pay you thought you were taking home.

Are these figures GST inclusive?

They are whatever you type. Use the same basis on every line. If your prices include GST, enter costs the way they hit your account. Mixing a GST-inclusive price with GST-exclusive costs will understate the gap.

Is this financial advice?

No. Every figure comes from the numbers you typed. The minimum price is the point where your sessions cover operating costs, the equipment reserve, card fees and the pay you said you wanted. It is a planning tool, not tax, accounting or financial advice.

What you need to charge per session

The treadmill is a six-figure machine. If utilisation is low, the session rate has to carry it.

Step 1 of 6Your target

Planning model from the numbers you type. Not financial, tax or accounting advice.

Your target

Floor$183.16

What you want to take home, and what you charge now.

What you want to earn per year

What the business should pay you, before tax. Super is added on the next line.

Super on that pay

12% is the Australian guarantee if you pay yourself a wage. Sole traders still need to put this aside.

What you charge now per follow-up session

A standard hydro or physio follow-up, not the initial consult.

How this one works

Capital recovery is not greed. A treadmill that sits at four sessions a day needs a higher rate than one that runs ten.

Heating a tank for a dog that cancelled still spent the gas. That is why late-cancel policy and the rate are the same conversation.

Every figure comes from the numbers you entered. The minimum is the point at which revenue covers operating costs, team wages, the equipment reserve, card fees and the pay you said you wanted, across the sessions you realistically complete in a year. It is general business information, not financial, tax or accounting advice. Last updated August 2026.

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