Practice Calc

PSYPACT ROI Calculator

PSYPACT's own site tells you the rules. This tells you whether the numbers work for your practice. Nothing you enter is stored.

1Where you are now

Your license, home state, and current practice.

The state where you hold your primary license.

20 clients
48 weeks
5%

Your best estimate, as a share of all inquiries.

Run the numbers as if your home state were already participating.

2What PSYPACT will cost you

Defaults come from the official fee schedules. Adjust anything that differs for you.
/ year
/ year

Temporary in-person work needs a TAP, which requires an IPC first. It is limited to 30 days a year in PSYPACT states.

/ year

PSYPACT doesn't charge for one; your home state checks you when it first licenses you. Enter a cost only if you'll need a new check.

/ year

Only if you are also pursuing individual licenses outside PSYPACT.

3 hours

3What you expect it to bring in

Be conservative. We run a cautious, a middle, and an optimistic version of whatever you enter.
3 clients
100%
6 months

Your PSYPACT outlook

Worth-it score

85 / 100

Likely worth it Payback, five-year value, and demand all point the same way on these inputs.

This score is calculated from the numbers you entered. It is not a statistical probability and it cannot account for your market.

Year-one cost before any revenue
$476
Weekly cross-state clients needed to recoup year one
1
Months to pay back (expected)
2

Cumulative cost vs. cross-state revenue

ScenarioFive-year net present valuePays back inFive-year revenueFive-year cost
CautiousYou reach half the cross-state caseload you entered, with no growth after that.$49,8662 months$57,615$1,180
ExpectedYou reach the caseload you entered, with modest growth from year two.$111,5102 months$127,870$1,180
OptimisticYou exceed the caseload you entered, with stronger growth from year two.$154,3442 months$177,257$1,180

Haven't pinned down your overhead yet? Start there — it's the number every other decision depends on. Open the Overhead Calculator

Apply on the official sites

How we calculate

Year-one cost is what you pay before PSYPACT earns anything: the E.Passport and APIT applications, the background check, the IPC and TAP applications if you plan temporary in-person work, and a year of any other state license fees and extra continuing education. From month 13 we add your annual renewals each year, along with another year of license fees and CE.

Cross-state revenue starts small. Your new clients build up in a straight line until the month you said you would reach that caseload. Each weekly client then brings in your cross-state fee times the weeks you work, divided by 12, every month.

We run three versions of that estimate. Cautious assumes you reach 50% of the cross-state clients you entered, with 0% yearly growth. Expected assumes 100%, growing 5% a year from year two. Optimistic assumes 125%, growing 10% a year from year two.

Five-year value is the net present value of monthly revenue minus monthly cost over 60 months, discounted at 5% a year (applied as the equivalent monthly rate). Month one is not discounted, so the up-front fees count in full. A negative value means PSYPACT costs more than it brings in over that period, once the timing of the money is taken into account.

Payback is the first month in which cumulative revenue catches up with cumulative cost. Weekly cross-state clients needed to recoup year one is the smallest steady caseload whose first-year revenue, build-up included, covers the year-one cost.

The worth-it score adds three parts and tops out at 100. Payback in the expected scenario earns up to 50 points: 50 within 6 months, 40 within 12 months, 25 within 24 months, 15 within 36 months, 5 within 60 months. A positive five-year value earns 30 points if even the cautious scenario is positive, or 15 if only the expected one is. Demand earns up to 20 points, in proportion to the share of inquiries you turn away for being out of state, reaching the maximum at 20%. Below 30 reads as hard to justify, 30 to 60 as depending on follow-through, and above 60 as likely worth it.

The calculator treats PSYPACT as available to psychologists (PhD or PsyD) whose home state participates. If yours does not yet, the score is 0, but all three scenarios still run so you can see what joining would be worth. The what-if option scores it as if your state were already in.

Data sources (5)

Frequently asked questions

Telepsychology under PSYPACT takes two credentials: the E.Passport from ASPPB ($400) and the APIT from the PSYPACT Commission ($40), so $440 to start. Both renew every year, $140 combined, and the E.Passport renewal requires three hours of technology-related continuing education. Temporary in-person practice is a separate path: an IPC and a TAP together cost $240 to obtain and $90 a year to renew.

As of October 2026, PSYPACT is in effect in 42 states and the District of Columbia. Iowa (from July 1, 2027) and Louisiana (from January 1, 2028) have passed PSYPACT laws that aren't in effect yet. The states that haven't joined: California, Hawaii, Massachusetts, New Mexico, New York, and Oregon. The PSYPACT Commission's map is the authoritative list, and status changes as legislatures act, so check it before you apply.

No. PSYPACT is only for psychologists who hold a full, unrestricted license based on a doctoral degree in psychology. Professional counselors have the Counseling Compact and social workers have the Social Work Licensure Compact, each with its own member states and rules. Marriage and family therapists don't have a licensure compact.

Then PSYPACT can't help you yet. The home state you declare must participate, you must hold a full license there, and you must be physically located in it whenever you provide telepsychology under PSYPACT. Until your state joins, seeing clients in other states usually means getting licensed in each of them. The calculator's what-if option shows what joining would be worth, so you can plan ahead.

Yes. PSYPACT replaces separate licenses, not the rules. You must comply with the scope of practice of the state where your client is physically located, and that state must participate in PSYPACT. Insurance is separate too: PSYPACT doesn't credential you with any insurer in another state.

The fees are small next to session revenue: at a $167 session fee, the $440 upfront cost equals 3 sessions. What decides the answer is demand: how many cross-state clients you can actually add, and how quickly. The calculator shows payback under three scenarios and a five-year value; none of them is a prediction.

On the plus side, one application covers telepsychology into every participating state, and you can keep seeing clients who move to one. On the minus side, you pay for and renew two credentials every year, with extra continuing education; in-person work needs two more credentials and is limited to 30 days a year; you still follow each state's rules and credential with each insurer; and it does nothing for clients in states that haven't joined.