Mental Health Costs
Can your budget fit therapy?
See what sessions cost as a share of your discretionary income, and how far your HSA or FSA funds stretch. Budget math only — not clinical advice.
Enter your numbers to check
Add your take-home pay, fixed expenses, and session cost — see how therapy fits and what levers you can pull.
BUDGET FIT
$0
Monthly cost
$0
sessions × fee.
Of discretionary income
HSA/FSA-adjusted year
$0
How the numbers are built
- Monthly therapy cost
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- Annual therapy cost
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- Discretionary income / mo
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- HSA/FSA covers about
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- Out-of-pocket after HSA/FSA
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Cost levers you control
- Ask about sliding-scale rates — many therapists adjust fees by income.
- Check out-of-network reimbursement — compare paths with the Therapy Cost Comparer.
- Sessions per month is a cost dial — fewer sessions lowers the total. How often to go is a clinical question for your provider, not a cost recommendation.