The Personal Trainers Fix Kit
Built for personal trainers and fitness coaches.
Two trainers with identical certifications can land a documented 3x apart in annual income — not from skill, but from employment model and whether the physical-hours ceiling was ever addressed. This kit finds where the money leaks in your own work and gives you the steps and the words to close each one.
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The 11 leaks it covers
4 you can close it · 4 the other side owes it · 3 a pro decides
- Independent business costs drag the real take-home well below the session rateWhere to look first: List every cost you carry because you're independent: insurance, continuing education, certification renewal, marketing, software, facility rent.Keep it from coming back: Drop every business receipt the day you get it. Recheck your cost per session before you set next year's rates.You can close it
- Never tried online coaching — the one format not capped by your own hoursWhere to look first: Pick one current client who travels or can't always make it in. Offer them a remote check-in between sessions — a written program plus a weekly message or video review.Keep it from coming back: Price any new format from your own time and take-home — never from a survey of people who already made it.You can close it
- Never worked out what share of the client fee actually reaches you (either model)Where to look first: If you're employed: pull your last month of pay and your session list. Divide what you were paid for sessions by what clients paid the gym for those sessions. That's your real share.Keep it from coming back: Never compare models on headline rate alone. Get the other side's terms in writing and run your own share before you switch.You can close it
- In-person-only income has a hard ceiling set by sellable hoursWhere to look first: Write down how many hours a week you actually sell sessions (not hours at the gym — hours a client paid for).Keep it from coming back: Check your sellable hours and take-home per session every quarter. When you're near the ceiling, raise price or change the format before adding more hours.You can close it
- Gym commission split never compared with what the same sessions net independentlyWhere to look first: Pull your last pay period: sessions trained and what you were paid for them. Divide to get what you keep per session.Keep it from coming back: Check every split check against your own session log the day it lands.The other side owes it
- 1099 trainer who may function as an employee — classification questionWhere to look first: Write down who decides your schedule, your rates, where you train, and what you wear and use.Keep it from coming back: Before you take a 1099 role, ask in writing who sets your schedule, rates and location — and keep the answer.The other side owes it
- Comparing your pay to the wrong benchmark (full vs part time, employed vs self-employed)Where to look first: Before you decide you're behind, write down your actual hours worked per week and whether you're employed, independent or both.Keep it from coming back: Measure yourself by your real hourly across all hours, every quarter — not by an annual median.The other side owes it
- Floor hours (consults, recruiting, floor time) paid at minimum wage or not at allWhere to look first: For two weeks, log every hour you're at the gym and what you did: sessions, consults, floor time, recruiting, cleaning, meetings.Keep it from coming back: Log every hour at the gym, not just sessions. Check every stub against your log the day it lands.The other side owes it
- Nothing set aside from independent/1099 session income before it's spentWhere to look first: Open a separate savings account and name it 'Tax'.Keep it from coming back: Move the tax share the same day you're paid — before it's in your spending account.A pro decides
- W-2 + 1099 trainers may over-reserve self-employment tax (money sitting idle)Where to look first: This row can go the opposite way from most tax findings: if you have a W-2 gym job and 1099 private clients, you may be setting aside more than you need. Pull your latest W-2 pay stub and write down your year-to-date Social Security wages.Keep it from coming back: If you work both W-2 and 1099, review your set-aside with your CPA each year using both incomes together.A pro decides
- Independent trainer assuming the gym's insurance covers you personallyWhere to look first: Ask the gym, in writing, whether its policy covers you personally as an independent trainer. Get the answer by email.Keep it from coming back: No independent session until you've seen a certificate with your own name on it. Shop the renewal every year.A pro decides
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 11 exactly as it appears in the kit, so you can see what you get before you buy.
Independent business costs drag the real take-home well below the session rate
You can close it- List every cost you carry because you're independent: insurance, continuing education, certification renewal, marketing, software, facility rent.
- Pull last year's (or last three months') receipts for each and total them.
- Divide that total by the sessions you sold in the same period. That's what each session costs you before you earn.
- Subtract it from your session rate. That's your real take-home per session.
- If it's lower than you thought, raise your rate on new clients first, then send the notice to existing ones (script below).
Your part: Set your new rate and send the notice yourself.
Rate-change notice to existing clients: "Hi [CLIENT NAME], thank you for training with me. Starting [START DATE — give clients a few weeks' notice], my session rate will be [NEW RATE] for single sessions and [NEW PACKAGE RATE] for packages. Any sessions you've already paid for stay at the old rate. If you'd like to lock in a package at today's rate before then, just let me know by [DATE]. — [YOUR NAME]"
Drop every business receipt the day you get it. Recheck your cost per session before you set next year's rates.
What this kit can't decide for you: Categorization only, not tax advice. No percentage figure used; your own receipts set the number.
That's 1 of 11. The other 10 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When personal trainers and fitness coaches go looking for answers, they search things like “personal trainer rates”, “personal trainer salary”, “how much do personal trainers make”, “personal trainer packages” and “personal training prices”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 11 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
How much do personal trainers really take home?
Independent business costs drag take-home well below the session rate. The kit has you work out yours.
Is the gym commission split worth it?
Compare it with what the same sessions net independently. The kit shows the math.
Should I add online coaching?
It's the one format not capped by your hours. The kit walks through it.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
15-page PDF · instant download after payment · Code VYR-KIT-FLEX-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
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