LaRue makes excellent points. I looked at your profile to learn more but you have not completed it.
Much also depends on your own experience. You write that you just about to start an in-home business; do you mean in YOUR home? Or in clients’ homes? Obviously when you add travel time, you need to charge extra for that.
Do you already have a client base because you train at a gym. In that case I would charge initially the same as they are already paying. You also need to find out the ‘going rate’ in your geographic location.