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Home care startup cost calculator

Enter your own quotes in each box. The calculator adds your one-time costs and monthly costs, multiplies monthly costs by the reserve months you choose, then compares the total with the funding you have. Nothing is pre-filled, because any default would be a guess. Entries save in this browser only.

One-time costs

Business formation and registered agentState license application and related feesUse your state agency's current fee schedule.Legal review (contracts, forms)Policies, procedures, and client/employee formsInsurance down paymentsSurety bond, if requiredWebsite, phone, email setupSoftware setup (scheduling, billing, payroll)Office setup and equipmentFirst hires: background checks, screening, trainingLaunch marketing and printed materialsAccounting setup and bookkeepingOther one-time costs

Monthly costs

Owner or admin pay you will actually takeOffice staff payrollRent and utilitiesInsurance premiumsSoftware subscriptionsMarketingCaregiver recruitingAccounting and payroll service feesLicense renewals set aside monthlyPhone, internet, and mileageOther monthly overheadMonths of overhead to hold in reservePick a number you could defend to a lender or partner.Funding you have available

One-time costs: $0

Monthly costs: $0

Overhead reserve: $0

Largest line item: none yet

Total to raise (before caregiver payroll gap): $0

Funding gap or surplus: $0

This does not include caregiver payroll while you wait to be paid. Use the cash reserve calculator and add that bridge figure to your total.

How to use the result

Treat the total as a planning number, not a promise. Rerun it with a higher monthly cost and a longer reserve to see how much room you have if hiring or payment takes longer than planned. If your funding is below the total, shrink the plan before you spend, not after.

Get real quotes first

Quote each line from a real source: your state agency for fees, a broker for insurance, vendors for software, an attorney for legal review. If you want a second set of eyes on a budget, Home Care Agency Blueprint reviews opening plans as a paid service.

Where people overspend. New owners often overspend on office space, branding, and software tiers they do not need yet, then run short on the cash that actually keeps payroll on time. Keep the reserve line honest and trim the rest.

Costs vary by state. For state licensing requirements and fees, see the state licensing guides at starthomecareagency.com. We do not quote state fees on this site.

Related guides

Common questions

Why are the fields empty?

Costs differ by state, insurer, and vendor. Pre-filled numbers would be guesses, so you enter real quotes.

Is my data stored?

Entries save in your own browser using local storage. They are not sent to our server.

What is the funding gap?

It is your total to raise minus the funding you entered. A negative gap means you are short.

Want help turning a budget into an opening plan?

Home Care Agency Blueprint is a paid program that helps people start a home care agency. You do not need it to use anything on this site.

See how Home Care Agency Blueprint works