Mobile Health Coach Break-Even Analysis: $287k Monthly Revenue

Fixed costs $21.6K/mo Year 2 run-rate

Contribution margin 75% After variable spend

Break-even revenue $28.7K/mo Monthly target

Break-even timing Month 21 First profit month

Break-even calculator

Use this calculator to test monthly revenue against variable expenses and fixed overhead for a mobile health coach.

Lean Base Full

Monthly revenue Revenue sets how much margin is left to cover fixed costs. $ Lower sales Higher sales Variable expenses These are costs that rise with sales, like ads, commissions, and travel. $ Lower costs Higher costs

Money available to cover fixed costs $26,000 $35,000 revenue - $9,000 variable expenses

Margin ratio

74%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly overhead that contribution margin has to cover. $ Lower overhead Higher overhead

Break-even chart Revenue Total costs

Which expenses stay fixed and which move with sales in a mobile coaching model?

Cost classification

Break-even only works when each expense behaves the right way in the model. Treat fixed overhead as monthly load, and apply revenue-linked items as percentages so the Month 21 break-even target stays realistic.

Expense	Cost	Break-Even Treatment	Common Mistake
Website hosting and maintenance	Fixed	Include $250 per month from Month 1 as baseline overhead.	Spreading it across sessions and understating low-volume losses.
CRM software subscription	Fixed	Include $150 per month from Month 1 before calculating contribution margin.	Dropping it from break-even because it feels small.
Professional liability insurance	Fixed	Include $100 per month from Month 1 as required operating overhead.	Treating it as optional until client volume grows.
App subscription fees	Fixed	Add $200 per month starting Month 13 to the fixed overhead base.	Including it in Month 1 and overstating early break-even revenue.
Coach commissions	Variable	Apply 12.0% of revenue in the first year, stepping down to 8.0% by Year 5.	Modeling commissions as payroll instead of sales-linked expense.
Payment processing fees	Variable	Apply 2.5% of revenue in the first year, declining to 2.2% by Year 5.	Treating card fees as fixed overhead and overstating margin.
Vehicle fuel and maintenance	Variable	Apply 4.0% of revenue in the first year, falling to 3.0% by Year 5.	Treating travel as fixed even though client visits drive usage.
Certified health coach staffing	Semi-fixed	Add capacity in steps: 0.5 FTE from Month 7, then 1.5 FTE in Year 2.	Assuming coach labor rises smoothly with every new client.

How much higher does break-even move from lean to base to full staffing for this mobile health coach?

Scenario table

As payroll, travel, and lower-priced services scale up, fixed costs rise faster than margin gains, so break-even revenue jumps from a lean solo plan to a much larger full team plan.

Planning assumptions only; actual results can shift with client mix, travel time, and pricing.

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean solo-coach model	$13.6k	$3.6k	$10k	73.5%	$0	Works only if founder pay stays out.
Base Month 21 model	$287k	$71k	$216k	75.2%	$0	Needs steady volume to hold break-even.
Full team-scale model	$443k	$101k	$341k	77.1%	$0	Higher margin, but the fixed base is much heavier.

What breaks the Month 21 break-even plan for this mobile health coach?

Stress test

The plan breaks fastest when bookings slip, travel costs rise, and the Month 13 app fee hits. With Year 2 CAC already at $140, a small miss can push EBITDA negative past Month 21.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change.	$287,000	$0 gap	Month 21 is the base break-even point, but cash stays tight before then.
Revenue shortfall	Client bookings run 15% below plan.	$287,000	$43,050 gap	A booking miss this size can erase the Month 21 cushion.
Fixed-cost increase	The app subscription adds $200 per month from Month 13.	$290,400	$3,400 gap	Small overhead creep matters while EBITDA is still negative.
Margin pressure	Year 2 variable margin slips 2 points as travel and payment fees rise.	$295,100	$8,100 gap	Higher fuel, commissions, or fees move break-even out.
Combined pressure	Bookings fall 15%, the app fee hits, and margin slips 2 points.	$298,400	$11,400 gap	Missed bookings plus cost creep can keep EBITDA negative beyond Month 21.

What should the founder verify before hiring the Month 7 coach and scaling visits?

Founder checklist

Test booked demand, rates, and cash before you hire the Month 7 coach or add more travel. The model only works when sessions, CAC, and tool use support the path to Month 21 breakeven and the Month 30 cash low point.

1Hire GateMonth 7

Prove enough paid sessions are booked before the certified health coach starts, and keep the cash plan able to reach the Month 30 low point at about $778K.

2Rate Check$120/$90/$150/$75

Validate the four price points and the spread after 12% coach commissions and 2.5% payment fees, because direct costs have to leave real room.

3Package Depth$287K/mo

Verify clients will buy 30-hour individual packages or enough smaller sessions to reach the monthly revenue threshold before you add more staff.

4Travel Radius4.0%

Cap the route map so vehicle fuel and maintenance stay near the 4.0% Year 1 assumption, since longer drives can wipe out service margin.

5Insurance On$100/mo

Keep professional liability insurance active before any in-person visit, because field work without it is too early a risk.

6Spend Gate$150 CAC

Delay extra platform and ad spend until the booking system, customer record system, and communication tools improve retention or utilization, and keep CAC near $150 in Year 1 and $140 in Year 2.