Mobile Personal Trainer Break-Even Analysis: Month 9 Target

Fixed costs $8.8K/mo Base monthly burn

Contribution margin 72.5% After variable costs

Break-even revenue $12.2K/mo Monthly target

Break-even timing Month 9 First profit month

Break-even calculator

Test monthly revenue, variable expenses, and fixed costs against the break-even point.

Lean Base Full

Monthly revenue Revenue has to cover variable costs first, then fixed costs. $ Lower sales Higher sales Variable expenses These costs rise with more sessions, like travel, commissions, and software. $ Lower cost Higher cost

Money available to cover fixed costs $13,500 $18,000 revenue - $4,500 variable expenses

Margin ratio

75%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly overhead the business must cover before profit. $ Lower overhead Higher overhead

Break-even chart Revenue Total costs

Which expenses stay fixed and which move with booked training sessions?

Cost classification

Break-even is only reliable when fixed bills, session-linked costs, and scale-driven costs sit in the right buckets. Misclassifying travel, trainer commissions, or software can make Month 9 break-even look safer than it is.

Expense	Cost	Break-Even Treatment	Common Mistake
Business Insurance	Fixed	Cover the $200 monthly bill before counting profit.	Ignoring coverage before the launch month.
Phone & Internet	Fixed	Include the $150 monthly charge in base overhead.	Treating it as session-driven spending.
Accounting & Legal Fees	Fixed	Load the $300 monthly fee into fixed overhead.	Leaving recurring admin support below the line.
CRM Platform Base Fee	Fixed	Include the $75 monthly base fee before break-even.	Counting only per-client software charges.
Trainer Commissions	Variable	Apply 19% of first-year revenue as sessions are sold.	Modeling commissions as payroll instead of sales-linked spend.
Session-Specific Supplies	Variable	Apply 1.5% of first-year revenue to booked sessions.	Forgetting supplies rise with client volume.
Vehicle Expenses	Semi-variable	Use 4.5% of first-year revenue for fuel and maintenance.	Assuming every new session has the same drive burden.
Software Subscriptions	Semi-variable	Use 2.5% of first-year revenue for client and trainer usage.	Missing usage fees as the client base grows.

How does break-even change from a lean owner-only setup to a fuller mobile trainer team?

Scenario table

More staff lifts fixed cost faster than revenue, so break-even rises from about $9.9k in the lean plan to about $16.0k in the full plan. The margin stays strong, but local demand and repeat clients have to keep pace.

These scenario figures are planning assumptions, not guarantees, and rounding can make break-even profit look slightly above or below zero.

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean owner-only plan	$9,897	$2,722	$7,175	72.5%	$0	Just clears break-even, so any weak month hurts.
Base single-trainer plan	$12,770	$3,513	$9,258	72.5%	$0	Tracks the Month 9 target, but cushion stays thin.
Full two-trainer setup	$15,999	$4,240	$11,758	73.5%	$0	Needs stronger retention and density to stay on plan.

What breaks the break-even plan for a mobile personal trainer?

Stress test

The plan is tight, so small misses matter. A 10% booking drop, a 10% rise in fixed costs, or more travel drag each opens a gap; if they hit together, the shortfall jumps fast.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change.	$12,769	$0 gap	Tiny misses push profit negative.
Revenue shortfall	Revenue falls 10% to $11,492.	$12,769	$926 gap	Fewer bookings leave fixed costs uncovered.
Fixed-cost pressure	Fixed costs rise 10% to $10,184.	$14,047	$926 gap	Overhead creep wipes out the cushion.
Margin pressure	Variable expenses rise to 32.5%, cutting margin to 67.5%.	$13,716	$639 gap	Longer drives and discounting squeeze margin.
Combined pressure	Revenue falls 10%, fixed costs rise 10%, and margin falls to 67.5%.	$15,087	$2,427 gap	If cancellations and travel hit together, break-even breaks fast.

Do you have enough monthly-package demand to hire and expand your service area?

Founder checklist

Prove the bookings, pricing, and cash cushion before you add trainers or widen the route map. If the model does not clear break-even on real paid hours, expansion just speeds up the cash burn.

1Demand proof22 package equiv.

Verify at least 22 monthly-package client equivalents before you buy more gear or open new zones, because that is the cleanest sign the break-even map is real.

2Blended pricing$75-$90/hr

Check that your mix of one-on-one, package, group, and assessment work still nets $75-$90 per hour, since $120 assessments only help if repeat demand is not counted twice.

3Fixed load$925/mo

Keep monthly fixed overhead at the modeled $925, including $200 insurance, so extra recurring costs do not push breakeven past what your bookings can support.

4Hire timingMonth 7

Hold the first trainer hire until demand can fill your own schedule; the model starts that role in Month 7, and hiring sooner burns cash before revenue is steady.

5Cash cushion$874K

Keep at least the modeled $874K cash floor, because Month 2 is the weakest point and setup spend plus the vehicle down payment hit early.

6Zone map$5K / $100 CAC

Test the Year 1 $5,000 marketing plan at about $100 CAC, map travel zones, and track cancellations in CRM before you buy more equipment or add coverage.