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Can RN visits and aide hours cover a complete home-care agency?

The authored national case earns $52,000 monthly fees from 80 RN visits at $200 and 800 aide care hours at $45. With qualified field, director, alternate, aide and administrative coverage paid, it produces approximately -$7,737 EBIT and -$7,570 cash after maintenance. Its 85-visit/850-hour paid ceiling still produces negative EBIT. More clients at the same mix cannot repair this case within capacity.

What you will produce: One calculation from completed nursing and aide care to whole visit blocks, every paid-role clock, credit loss, collections, three operating boundaries and a complete 60-month opening cash schedule.

Updated October 16, 2026 · Worked examples and editable worksheets

Use the calculator See the worked example

What to have ready

Bring actual service authority, accepted nursing/aide scope and required plans/orders, qualified leadership, client/staff timetable, care duration, travel/records/recovery, availability contracts, payroll/employer quotes, separate fees, concessions/refunds, expected losses, invoices/collections and full authority/accreditation, insurance, office and system quotes.

Work through the calculation and decision

Trace earned care into operating cash

Completed careRN visit fees plus aide care-hour fees; scheduled care is separate

Collectible contributionCredit loss once; processing on collectible fees; supplies and mileage

Complete paid commitmentsField, director, alternate, aides, administration, premises and availability

Three cost boundariesEBITDA; deduct depreciation for EBIT, capital upkeep for cash

Cash dates and opening usesReceivable movement, refundable deposit, opening payments and retained buffer

Operating cash = EBITDA − capital maintenance − increase in collectible receivables

Separate nursing visits from aide care hours

One completed intermittent RN visit earns a per-visit fee; one delivered supervised aide client-care hour earns an hourly fee under the actual accepted plan, order, agreement and state authority. A referral, approved plan, booking, advance payment or unused authorization is a separate record rather than another completed sale.

Eighty RN visits at $200 earn $16,000; 800 aide care hours at $45 earn $36,000. The $52,000 total is after concessions and refunds but before a separate credit-loss estimate. One RN visit plus ten aide care hours is a held-mix planning equivalent only, not a commercial package or patient count. Actual clients may need a different approved service mix.

Home Health Care Agency reference economics · Authored private-pay intermittent nursing and supervised aide case; fees, workload, coverage, collection and costs are assumptions, not care prescriptions, legal approval or observed agency performance.

Convert delivered care into the complete paid field clock

Each assumed RN visit contains one direct-care hour, 0.5 travel hour and 0.25 documentation hour. Five percent require another 0.5 field-recovery hour. With 14 standing hours, RN work is 14 + 80 × 1.75 + 80 × 5% × 0.5 = 156 person-hours, within 173.3333 paid field hours.

The aide case needs ceil(800/4) = 200 whole visit blocks. Each uses 0.5 travel, 0.15 documentation and 0.1 handoff hour beyond care; 2% require another 0.5 recovery hour. With 24 standing hours, work is 24 + 800 + 200 × 0.75 + 200 × 2% × 0.5 = 976 person-hours, within 1,040 paid hours. A partial last block still incurs a complete travel/records allowance. Actual timed routes can be more restrictive.

Protect direction and qualified availability

The model separately pays 40 weekly field RN hours, 40 qualified clinical-director hours, ten qualified alternate-response hours, 240 aide hours and 20 medical-administration hours. At 52/12 weeks per planning month, RN pools total 390 person-hours. The director pool assumes an eligible combined clinical-direction/agency-administrator appointment only where permitted. Its 40 monthly standing hours cover governance/agency administration and clinical work is added once. Any combined appointment depends on the regulator’s actual employee-and-contractor count, qualifications, required direct employment, duties and qualified alternate administration. The 8.75 wage-pool FTE excludes availability-provider personnel and does not establish a statutory count. Medical administration is clerical, not the qualified administrator; add a separate qualified paid pool where required. Protected direction, alternate response and clerical administration do not add simultaneous field capacity.

The $2,500 monthly retainer is an unquoted assumption for qualified 24/7 nursing on-call availability, separate from paid response hours and excluded continuous bedside care. Default work uses 70 director, 16 alternate-response and 61.4 administrative hours. Incident-linked review and response grow with activity. Verify credentials, plans, individual shifts, restrictions, backup, leave and overtime in an executed applicable arrangement; aggregate hours do not certify adequate care.

Separate credit loss, payment cost and receivable delay

An assumed 2% credit loss reduces $52,000 earned fees by $1,040 to $50,960 collectible earning. Apply it once. The 3% payment-cost estimate uses collectible fees: $50,960 × 3% = $1,528.80. Do not deduct the same loss again from a price already adjusted for uncollectibility.

Earning is assumed uniform within each 30-day planning month, with no preopening earned fees. Collections follow the current or prior earned-fee cohorts according to the entered lag, including the fractional month. Thirty days retain $50,960 at stable mature activity. That delay is neither another expense nor another credit loss. Monthly cash subtracts the increase in collectible receivables; first-month collections can be zero under this convention. Estimated payment costs and other expenses are assumed paid in the earned month, not verified processor terms. Advances for future care, refunds, restricted funds and dated payroll need separate records.

Reconcile supplies, mileage and every fixed commitment

Supplies are an assumed $8 per RN visit plus $1 per aide care hour, totaling $1,440. Reimbursement uses 80 × 20 RN miles plus 200 × 12 aide miles = 4,000 miles at an authored $0.70 per mile, or $2,800. The rate is not an IRS, statutory or observed agency rate. Travel time in payroll and reimbursed vehicle use are different costs.

BLS May 2025 medians of $46.90 RN, $17.21 broad home-health/personal-care aide and $22.08 medical administration price $38,103 base wages. The assumed 18% employer addition gives $44,961.54 payroll. Add $2,000 office, $3,000 other standing costs and $2,500 availability retainer for $52,461.54 fixed commitments. Cross-industry medians do not quote actual qualified staffing, employer costs or availability.

BLS: May 2025 national occupation wage workbook · May 2025 · Checked 2026-10-16

Check financial boundaries against the actual ceiling

Collectible fees less payment costs, supplies and mileage leave $45,191.20 contribution. Full paid commitments produce negative $7,270.34 EBITDA. Depreciation is $28,000/60 = $466.6667, giving negative $7,737.0067 EBIT. Cash subtracts $300 capital maintenance from EBITDA rather than depreciation, giving negative $7,570.34 before receivable movement, debt, tax and distributions.

Including whole aide blocks, approximate first continuous financial conditions are 92.8822 held-mix equivalents for EBITDA, 93.4086 for maintenance cash and 93.7074 for EBIT. The first permitted whole financial cash and EBIT activity is 94 visits plus 940 aide hours. It exceeds paid capacity and is not a deliverable prescription. The calculator tests permitted activity directly because a new partly filled aide block can temporarily lower contribution.

At 85 RN visits plus 850 aide hours, 213 aide blocks use 1,035.88 of 1,040 paid aide hours. RN field work is 164.875 of 173.3333, direction 71.8775 of 173.3333, alternate response 16.51 of 43.3333 and administration 64.29 of 86.6667. The next equivalent requires 215 aide blocks and 1,047.4 aide hours, failing that pool. The ceiling still loses about $4,917 EBIT and $4,750 maintenance cash. Client compatibility, qualifications, actual routes and leave can lower it further.

Keep price context attached to its original scope

CareScout 2025 reports broad national private-duty nurse medians of $90 per hour and $160 per visit, and a $35 nonmedical caregiver hourly median. Nurse categories combine RN/LPN services and varying durations; caregiver scope extends beyond this skilled aide case. These observations are not a matched agency quote, achieved yield or paid-demand estimate.

A Fort Worth/Granbury provider describes $120–$200 nursing visits depending on duration and complexity. Raleigh nursing requires an attached nonmedical-care enrollment condition and individual quotes. Southeast Florida caregiver offers have a four-hour daily minimum and differing published ranges that need a written quote. The default $200/$45 fees remain assumptions; even a hypothetical 10% increase to $220/$49.50 leaves EBIT negative with full coverage. Do not change prices merely to force a positive model.

CareScout: 2025 home care cost survey tables · Survey July–November 2025; nominal 2025 prices · Checked 2026-10-16

BrightStar Care: Fort Worth and Granbury private-duty nursing · Provider article June 1, 2026; checked October 16, 2026 · Checked 2026-10-16

Affordable Budget Services: Raleigh payment options · Current undated provider offers checked October 16, 2026 · Checked 2026-10-16

Health at Home: southeast Florida pricing comparison · Provider page states 2026 market context; checked October 16, 2026 · Checked 2026-10-16

Read opening scope and all sixty cash months

Opening allowances total $65,000, including an unquoted $10,000 authority/policy/professional/accreditation line. The refundable office deposit uses $4,000 without becoming an expense. One hundred twenty paid training person-hours cost about $3,557, producing about $72,557 opening payments. The $28,000 depreciation base already sits within those allowances. Obtain matched complete quotes before treating any allowance as adequate.

The 40/55/70/82/90/96/100% ramp is assumed. Completed RN visits round down to whole visits; aide care scales at full precision and visit blocks round up. First-year earned fees are $536,880, collections $475,182 and operating cash -$217,509. Continuing mature losses push the deepest cumulative deficit to about $580,885 in month 60. Adding $104,923 retained buffer and opening cash gives approximately $758,366 of loss-funding over 60 months. This is not a financing recommendation; opening payments are not sustainably recovered.

The calculator, JSON and CSV use the same exact valid inputs, services, visit blocks, paid work, losses, collections and all 60 monthly rows. Blank, out-of-range inputs or fractional RN counts clear current results; reset restores the reference. Replace material care, travel, prices, qualified contracts and cash dates with applicable records before accepting another obligation. Financial arithmetic does not establish clinical adequacy or demand.

A fully paid private-pay nursing and aide reference

Authored illustration · not a market estimate

Wages are observed occupation anchors; commercial, workload, coverage and collection inputs are authored. The reference retains the complete paid coverage cost.

A fully paid private-pay nursing and aide reference
Input or result	Reference	Meaning
Completed services	80 RN visits + 800 aide hours	Separate fees; 200 whole aide visit blocks
Fees / earned fees	$200 per visit + $45 per aide hour / $52,000	Before the separate 2% credit loss
Credit loss / collectible fees	$1,040 / $50,960	Loss applied once; 30-day receivable delays collection
Loaded paid roster	$44,961.54	Distinct field, director, alternate, aide and administration pools
EBITDA / EBIT / maintenance cash	−$7,270 / −$7,737 / −$7,570	Different mature boundaries
Paid ceiling / financial EBIT condition	85 / approximately 93.7074 equivalents	Financial condition exceeds paid capacity
Opening / 60-month loss-funding	$72,557 / $758,366	Not a viable-agency funding recommendation
Opening recovery	None within 60 months	Mature cash remains negative

What this changes: Support service, fee, territory and complete coverage changes before accepting client obligations. A paid roster and a calculated loss reserve do not establish viability.

Illustrative amounts are rounded for display. Use the full inputs and stated units when recalculating; an approximate threshold is not itself a sufficient activity prescription.

Test skilled visits, aide hours, complete paid coverage and collected cash

Start with the worked inputs, then change a value to test your own scenario. All money amounts are in USD. The result updates in this tab.

Calculations keep the full entered precision; displayed amounts are rounded independently. A blank, out-of-range or disallowed fractional count clears the result. Reset example restores the exact worked inputs. JSON and CSV downloads contain that same valid scenario; the worksheet download also includes your evidence and decision.

Completed intermittent RN visits (visits / month)Completed billable aide care (client-care hours / month)RN fee after concessions and refunds, before credit losses (USD / completed visit)Aide rate after concessions and refunds, before credit losses (USD / completed care hour)Direct RN care in each completed visit (hours / RN visit)Maximum delivered aide care in one visit block (care hours / aide visit)Paid RN travel per visit (hours / RN visit)Paid RN documentation per visit (hours / RN visit)Paid aide travel per visit block (hours / aide visit)Paid aide documentation per visit block (hours / aide visit)Paid aide handoff and noncare work per visit block (hours / aide visit)RN visits requiring additional field and supervisory recovery (%)Additional field RN recovery per incident (hours / incident)Aide visits requiring additional recovery (%)Additional aide recovery per incident (hours / incident)Paid field RN person-hours (person-hours / month)Paid qualified clinical direction and agency administration, combined only where permitted (person-hours / month)Paid qualified alternate RN response person-hours (person-hours / month)Paid aide person-hours (person-hours / month)Paid medical administration person-hours (person-hours / month)RN hourly base wage, applied to the three distinct RN pools (USD / hour)Aide hourly base wage (USD / hour)Medical administration hourly base wage (USD / hour)Employer additions above base wages (%)Expected credit loss on earned fees (%)Payment cost on collectible earned fees (%)Use-driven care supplies per RN visit (USD / RN visit)Use-driven supplies per aide care hour (USD / care hour)Reimbursed RN travel miles per visit (miles / RN visit)Reimbursed aide travel miles per visit block (miles / aide visit)Authored mileage reimbursement allowance (USD / mile)All-in monthly office premises allowance (USD)Other standing costs before on-call availability retainer (USD)Qualified 24/7 on-call availability retainer (USD / month)Monthly capital-maintenance cash (USD)Unquoted opening allowances before deposit and training (USD)Selected depreciable opening assets, spread over 60 months (USD)Paid pre-opening training person-hours (person-hours)Collectible earned fees remaining receivable at month end (average days)Standing-cost months retained as cash buffer (months)

Illustrative result · assumptions apply

Completed RN visits: 80 visits / month
Completed aide care: 800 care hours / month
Whole aide visit blocks: 200 visits / month
Earned RN fees: $16,000.00
Earned aide fees: $36,000.00
Total earned fees before expected credit loss: $52,000.00
Expected credit loss: $1,040.00
Collectible earned fees: $50,960.00
Payment costs: $1,528.80
Use-driven care supplies: $1,440.00
Mileage reimbursement allowance: $2,800.00
Loaded paid roster: $44,961.54
Mature EBITDA: -$7,270.34
Monthly depreciation: $466.67
Mature depreciation-inclusive EBIT: -$7,737.01
Mature cash after capital maintenance, before receivable movement: -$7,570.34
Approximate same-mix EBITDA threshold: 92.88 RN-visit equivalents with 10 aide care hours each
Approximate same-mix cash-after-maintenance threshold: 93.41 RN-visit equivalents with 10 aide care hours each
Approximate same-mix EBIT threshold: 93.71 RN-visit equivalents with 10 aide care hours each
First permitted activity meeting the cash boundary, financial condition only: 94 RN-visit equivalents with 10 aide care hours each
First permitted activity meeting the EBIT boundary, financial condition only: 94 RN-visit equivalents with 10 aide care hours each
Paid-resource ceiling for the entered mix: 85 RN-visit equivalents with 10 aide care hours each
EBIT at that paid-resource ceiling: -$4,916.76
Cash after maintenance at that ceiling: -$4,750.09
Refundable premises deposit: $4,000.00
Paid pre-opening training: $3,557.40
Total opening payments: $72,557.40
Largest cumulative operating cash deficit: $580,885.07
Month of deepest cumulative deficit; zero means none: 60 month
Retained standing-cost buffer: $104,923.08
Opening payments plus 60-month operating reserve: $758,365.55
First-year operating cash after receivable movement: -$217,508.75
Sustained opening-cash recovery within 60 months: Not available
Paid field RN care, travel, documentation and recovery at the ceiling: 164.88 hours
Paid aide care, whole-visit travel, documentation, handoff and recovery at the ceiling: 1,035.88 hours
Paid qualified clinical direction and agency administration at the ceiling: 71.88 hours
Paid qualified alternate RN response at the ceiling: 16.51 hours
Paid medical administration, scheduling and collection at the ceiling: 64.29 hours

RN visits earn a per-visit fee; aide services earn completed care hours. An aide visit block rounds up for travel, documentation, handoff and recovery even when its last care block is partly used. Credit losses reduce collectible earned fees once. Collections follow earned-fee cohorts with uniform earning in each 30-day planning month and no preopening earning. Whole and fractional collection-lag months determine the receipts; receivable movement changes cash rather than deducting fees again. The same-mix EBIT threshold exceeds at least one paid resource. More volume at this mix cannot repair the case within its capacity. The mature month loses cash. The displayed 60-month funding would finance the modeled losses; it is not a viability or financing recommendation. The 40/55/70/82/90/96/100% ramp is assumed; completed RN visits round down to whole visits and aide travel uses whole visit blocks. Qualified 24/7 on-call availability has its own retainer; field, director and alternate-response hours are distinct paid pools. Actual credentials, required plans, state authority, service territory, individual shifts, clinical need, leave, overtime, qualified backup and availability contracts require separate verification. Continuous bedside care, therapy, hospice, infusion, equipment sales and public-payer billing are excluded. Month-end cash can miss a larger daily gap. Debt, tax and owner distributions are separate.

One coherent 60-month completed-care, workload and cash schedule
Month	RN visits	Aide care hours	Aide visit blocks	Earned fees	Expected credit loss	Collectible earned fees	Collections	EBITDA	Depreciation	EBIT	Capital maintenance	Receivables	Receivable increase	Operating cash	Cumulative operating cash	Funded closing cash	Field RN hours	Aide hours	Clinical director hours	Alternate RN response hours	Medical administration hours	Workload fits (1=yes; 0=no)
1	32	320	80	$20,800.00	$416.00	$20,384.00	$0.00	-$34,385.06	$466.67	-$34,851.73	$300.00	$20,384.00	$20,384.00	-$55,069.06	-$55,069.06	$630,739.09	70.8	404.8	52	11.2	34.16	1
2	44	440	110	$28,600.00	$572.00	$28,028.00	$20,384.00	-$27,606.38	$466.67	-$28,073.05	$300.00	$28,028.00	$7,644.00	-$35,550.38	-$90,619.44	$595,188.71	92.1	547.6	56.5	12.4	40.97	1
3	56	560	140	$36,400.00	$728.00	$35,672.00	$28,028.00	-$20,827.70	$466.67	-$21,294.37	$300.00	$35,672.00	$7,644.00	-$28,771.70	-$119,391.14	$566,417.01	113.4	690.4	61	13.6	47.78	1
4	65	656	164	$42,520.00	$850.40	$41,669.60	$35,672.00	-$15,505.63	$466.67	-$15,972.29	$300.00	$41,669.60	$5,997.60	-$21,803.23	-$141,194.37	$544,613.78	129.38	804.64	64.53	14.53	53.17	1
5	72	720	180	$46,800.00	$936.00	$45,864.00	$41,669.60	-$11,789.46	$466.67	-$12,256.13	$300.00	$45,864.00	$4,194.40	-$16,283.86	-$157,478.23	$528,329.92	141.8	880.8	67	15.2	56.86	1
6	76	768	192	$49,760.00	$995.20	$48,764.80	$45,864.00	-$9,212.48	$466.67	-$9,679.15	$300.00	$48,764.80	$2,900.80	-$12,413.28	-$169,891.51	$515,916.64	148.9	937.92	68.71	15.64	59.5	1
7	80	800	200	$52,000.00	$1,040.00	$50,960.00	$48,764.80	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$2,195.20	-$9,765.54	-$179,657.05	$506,151.10	156	976	70	16	61.4	1
8	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$187,227.39	$498,580.76	156	976	70	16	61.4	1
9	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$194,797.73	$491,010.42	156	976	70	16	61.4	1
10	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$202,368.07	$483,440.08	156	976	70	16	61.4	1
11	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$209,938.41	$475,869.74	156	976	70	16	61.4	1
12	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$217,508.75	$468,299.40	156	976	70	16	61.4	1
13	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$225,079.09	$460,729.06	156	976	70	16	61.4	1
14	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$232,649.43	$453,158.72	156	976	70	16	61.4	1
15	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$240,219.77	$445,588.38	156	976	70	16	61.4	1
16	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$247,790.11	$438,018.04	156	976	70	16	61.4	1
17	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$255,360.45	$430,447.70	156	976	70	16	61.4	1
18	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$262,930.79	$422,877.36	156	976	70	16	61.4	1
19	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$270,501.13	$415,307.02	156	976	70	16	61.4	1
20	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$278,071.47	$407,736.68	156	976	70	16	61.4	1
21	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$285,641.81	$400,166.34	156	976	70	16	61.4	1
22	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$293,212.15	$392,596.00	156	976	70	16	61.4	1
23	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$300,782.49	$385,025.66	156	976	70	16	61.4	1
24	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$308,352.83	$377,455.32	156	976	70	16	61.4	1
25	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$315,923.17	$369,884.98	156	976	70	16	61.4	1
26	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$323,493.51	$362,314.64	156	976	70	16	61.4	1
27	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$331,063.85	$354,744.30	156	976	70	16	61.4	1
28	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$338,634.19	$347,173.96	156	976	70	16	61.4	1
29	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$346,204.53	$339,603.62	156	976	70	16	61.4	1
30	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$353,774.87	$332,033.28	156	976	70	16	61.4	1
31	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$361,345.21	$324,462.94	156	976	70	16	61.4	1
32	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$368,915.55	$316,892.60	156	976	70	16	61.4	1
33	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$376,485.89	$309,322.26	156	976	70	16	61.4	1
34	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$384,056.23	$301,751.92	156	976	70	16	61.4	1
35	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$391,626.57	$294,181.58	156	976	70	16	61.4	1
36	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$399,196.91	$286,611.24	156	976	70	16	61.4	1
37	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$406,767.25	$279,040.90	156	976	70	16	61.4	1
38	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$414,337.59	$271,470.56	156	976	70	16	61.4	1
39	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$421,907.93	$263,900.22	156	976	70	16	61.4	1
40	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$429,478.27	$256,329.88	156	976	70	16	61.4	1
41	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$437,048.61	$248,759.54	156	976	70	16	61.4	1
42	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$444,618.95	$241,189.20	156	976	70	16	61.4	1
43	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$452,189.29	$233,618.86	156	976	70	16	61.4	1
44	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$459,759.63	$226,048.52	156	976	70	16	61.4	1
45	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$467,329.97	$218,478.18	156	976	70	16	61.4	1
46	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$474,900.31	$210,907.84	156	976	70	16	61.4	1
47	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$482,470.65	$203,337.50	156	976	70	16	61.4	1
48	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$490,040.99	$195,767.16	156	976	70	16	61.4	1
49	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$497,611.33	$188,196.82	156	976	70	16	61.4	1
50	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$505,181.67	$180,626.48	156	976	70	16	61.4	1
51	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$512,752.01	$173,056.14	156	976	70	16	61.4	1
52	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$520,322.35	$165,485.80	156	976	70	16	61.4	1
53	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$527,892.69	$157,915.46	156	976	70	16	61.4	1
54	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$535,463.03	$150,345.12	156	976	70	16	61.4	1
55	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$543,033.37	$142,774.78	156	976	70	16	61.4	1
56	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$550,603.71	$135,204.44	156	976	70	16	61.4	1
57	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$558,174.05	$127,634.10	156	976	70	16	61.4	1
58	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$565,744.39	$120,063.76	156	976	70	16	61.4	1
59	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$573,314.73	$112,493.42	156	976	70	16	61.4	1
60	80	800	200	$52,000.00	$1,040.00	$50,960.00	$50,960.00	-$7,270.34	$466.67	-$7,737.01	$300.00	$50,960.00	$0.00	-$7,570.34	-$580,885.07	$104,923.08	156	976	70	16	61.4	1

Complete your decision record

One calculation from completed nursing and aide care to whole visit blocks, every paid-role clock, credit loss, collections, three operating boundaries and a complete 60-month opening cash schedule. Enter the finding or number, the source and the next action for each row. “Supported” records your assessment of that item; it does not approve the business or certify completed research.

Working record for your business
Item and what to record	Your finding and evidence	Status and next action
Service authorityActual category, services, required plans/orders, qualified leadership, accreditation and exclusions	Service authority: finding and evidence	Service authority: evidence statusService authority: next action
Two earned service recordsRN visits and aide care hours, actual duration, concessions/refunds, cancellations and achieved fees	Two earned service records: finding and evidence	Two earned service records: evidence statusTwo earned service records: next action
Every paid poolField, direction, alternate, aide and administration hours, wages, employer costs, leave and overtime	Every paid pool: finding and evidence	Every paid pool: evidence statusEvery paid pool: next action
Qualified availabilityExecuted terms, named primary/alternate, restrictions, retainer and paid response	Qualified availability: finding and evidence	Qualified availability: evidence statusQualified availability: next action
Field routes and recoveryWhole blocks, travel/miles, records, handoffs, incidents and client timing	Field routes and recovery: finding and evidence	Field routes and recovery: evidence statusField routes and recovery: next action
Collection and cashLoss once, collectible receivables, invoices, advances/refunds and dated payroll	Collection and cash: finding and evidence	Collection and cash: evidence statusCollection and cash: next action
Opening scopeMatched authority/accreditation, insurance, installed-system quotes, deposits and training	Opening scope: finding and evidence	Opening scope: evidence statusOpening scope: next action

7 items have no evidence recorded yet.

Your decision and next commitment

Entries are temporary and are not sent to us or saved automatically. Download your completed work before leaving or refreshing this page.

Choose your next action

Use the finding to change the plan
If your finding is…	Your next action
Threshold exceeds paid capacity	Change supported mix, fees, territory or complete paid costs; do not prescribe impossible volume.
Availability is only an allowance	Execute and fund an applicable qualified arrangement before promising coverage.
Actual clinical or travel work exceeds the pool	Revise authorized scope, route or funded qualified staff before accepting care.
Mature cash remains negative	Do not call the 60-month loss reserve a viability or financing recommendation.
Collections lag earning	Fund the dated collectible receivable and payroll gap without deducting losses twice.

Errors that can change the result

Blending public-payer, nonmedical-only, skilled and continuous bedside formats.
Counting director or alternate hours as simultaneous field care.
Calling all paid caregiver time billable care.
Using fractional visit blocks to remove travel or records work.
Deducting credit loss twice.
Treating provider fees or surveys as achieved yield or demand.
Treating an availability allowance as an executed qualified contract.
Financing ongoing losses and calling the result viable.

Apply this to your business

These operating formats match the decisions in this guide.

Home Health Care Agency

Private-pay agency providing state-authorized intermittent RN visits and supervised home-health aide care, with paid clinical direction and qualified on-call coverage

Open the operating guide and state profiles →

Apply the same care and cash definitions to the agency plan

Carry actual authorized services, separate fees, completed care, every qualified paid pool and dated collections into the national and selected state scenario. Values entered here are not automatically transferred to another calculator.

Continue with the next part of your plan

How to connect home-care authority, qualified coverage and collections
One client-to-care-to-cash decision record covering legal service category, accepted scope and plans, qualified staff and availability, completed visits/hours, exceptions, earning, losses, receivables and the next commitment.
How to build a staffing roster before estimating payroll
A roster with complete task coverage and an annualized monthly staffing budget.
Why a profitable business can still run out of cash
A profit-to-cash bridge and a clearly defined test for recovering the initial investment.
How much startup financing do you need, and can you repay it?
A sources-and-uses brief, a net funding gap and a repayment scenario to discuss with a lender.
How to build a startup budget you can actually fund
A funding total, a dated payment ledger and a clear amount still to arrange.

Sources and limits

The sources below provide the stated background. The worked examples, calculator defaults and decision exercises are authored teaching material. They do not establish market prices, local demand, legal applicability or completed state research.

Home Health Care Agency reference economics
Authored private-pay intermittent nursing and supervised aide case; fees, workload, coverage, collection and costs are assumptions, not care prescriptions, legal approval or observed agency performance.
BLS: May 2025 national occupation wage workbook
RN 29-1141, broad home-health/personal-care aide 31-1120 and medical-administration 43-6013 medians; not recruiting quotes, credentials, employer costs or legal staffing requirements.
Census: 2022 Home Health Care Services classification
NAICS 621610 broad services classification, including formats beyond this case; not its agency fee, capacity, accepted clinical scope or paid demand.
CareScout: 2025 home care cost survey tables
Page 8 broad nonmedical caregiver and private-duty nursing RN/LPN medians in hourly and visit units. Duration and service mix differ; not a matched intermittent-RN/skilled-aide agency quote or realized yield.
BrightStar Care: Fort Worth and Granbury private-duty nursing
Nursing visit asking range depends on duration and complexity; not reference-agency realized fees, demand or complete scope.
Affordable Budget Services: Raleigh payment options
Nonmedical-care minimums and nursing enrollment/individual-quote conditions. No matched realized RN or skilled-aide fee is inferred.
Health at Home: southeast Florida pricing comparison
Nonmedical caregiver range and four-hour daily minimum for Palm Beach/Broward. Nursing is quoted separately; the FAQ displays a differing range. Neither establishes skilled-agency achieved yield.
IRS: business recordkeeping
Keeping supporting business records.

Source background and its scope are stated above. The guide update date does not change a source observation period. Research and review standards · Report an issue

Editorial assessment

Test earning, paid care and cash at separate boundaries

Interpretation of an authored planning exercise

Completed RN visits and aide care hours earn different fees while whole aide visit blocks consume travel, documentation and recovery. Keep expected credit loss, payment costs, supplies, mileage and the full qualified roster in one calculation; a planning equivalent is an analytical ratio rather than a clinical package or patient count.

Substitute every stated financial condition into the actual whole-visit model and all five paid clocks. A financial threshold beyond capacity is a reason to change supported economics or commitments. Fund collectible receivables and dated payroll separately from permanent credit losses; a 60-month loss reserve cannot make the unchanged operating case viable.

Worked example · Sources and limits

Human reviewedHow review works

Editorial contact: Nathan Ellis · Financial Models & Cash Flow Writer.

When you need a longer financial plan

Use a financial model to organize a broader forecast after defining your own operating assumptions. The site’s research, your worksheet entries and any purchased workbook are separate; entries are not transferred automatically.

Continue with the published financial scenario