Clear Sky Co

Go Solo Viability Check

Test whether starting private practice is financially viable for you in the next 3–6 months.

Educational planning tool only. Not legal, tax, accounting, or financial advice.

Personal income and cash buffer

Your income requirements and available financial runway.

Minimum monthly personal income*

The lowest monthly take-home you need to cover essential personal expenses.

Ideal monthly personal income

Your preferred monthly take-home if things go well.

Available cash buffer*

Savings you can allocate to startup costs and early-stage shortfalls.

Income timing expectation

For context only. Calculations assume a 3-month ramp regardless of selection.

Work model and pricing

How you plan to structure your practice.

Start model*

Working days per week*

Maximum sessions you could deliver per day*

The most you could realistically deliver on a clinical day.

Average fee per session*

Your expected average session fee after any gap adjustments.

Expected cancellation rate*

Proportion of booked sessions that cancel or no-show without full payment.

Costs

What you expect to spend during your first 3 months, not your ideal later-state setup.

One-time startup costs

Website and branding

Domain, design, initial content.

Insurance and registration

Initial professional indemnity, AHPRA, etc.

Room bond, furniture, equipment

Skip if telehealth only.

Laptop, phone, tech

If new purchases required.

Legal and accounting setup

ABN, business structure advice, initial setup.

Other startup costs

Any other one-time expenses.

Monthly operating costs

If unsure, enter the minimum consistent monthly amount you would realistically commit to.

Room cost

Skip if telehealth only.

Software subscriptions

Practice management, telehealth, etc.

Insurance and memberships

Monthly portion of annual fees.

Bookkeeping and accounting

Ongoing monthly fees.

Supervision and peer consult

Monthly supervision or consultation.

Marketing

Online ads, directory listings, etc.

Phone, internet, misc

Business phone, internet portion, etc.

Other monthly costs

Any other recurring expenses.

Ramp assumptions

Your realistic expectations for building a caseload.

Starting booked sessions per week*

Booked sessions you expect in your first week.

Expected booked sessions per week by month 3*

Booked sessions per week you expect by the end of month 3.

Referral confidence*

How confident are you in your ability to generate referrals?