How much does it cost to start a home care agency?
Put in your own rates and costs. See what you’d charge, what carers cost you, and how many hours it takes to break even and then to pay yourself.
Figures are starting examples. They’re not advice, just maths on your own inputs.
Want the full model, and the plan around it?
This is the lite version. The Blueprint has the complete budget model, pricing tools, and the whole journey.
- What your numbers mean
Why the rate matters more than anything
The single biggest lever is your margin per hour, the gap between what a client pays and what a carer costs you. Council work squeezes that gap until there’s almost nothing left. Private pay opens it up, which is what lets you pay good carers, cover your costs, and actually take a wage. Change the private rate in the calculator and watch how fast everything else moves.
- Cost questions
Why don't you just give one cost figure?
Because a single number is meaningless. Your costs depend on your area, your model, and your rates. The calculator gives you your figure, not someone else’s average.
What counts as fixed monthly costs?
Things like software, insurance, office or registration costs, and any retainer staff, the costs you carry whether or not you deliver an hour of care.
Is a home care agency profitable?
It can be, but it depends entirely on your margin and your hours. The calculator shows you the point where it works for you.