Mobile Urgent Care Break-Even Analysis: $59K Monthly Revenue

Fixed costs $11.5K/mo Base overhead

Contribution margin 83% After variable costs

Break-even revenue $13.9K/mo Revenue target

Break-even timing Month 2 Early ramp

Break-even calculator

Test monthly revenue, direct costs, and fixed costs against break-even for a mobile urgent care service.

Lean Base Full

Monthly revenue This is the money you bring in each month before direct costs. $ Lower demand Higher demand Variable expenses These are the direct costs that move with visits, supplies, travel, and malpractice. $ Tighter costs Higher costs

Money available to cover fixed costs $99,012 $117,720 revenue - $18,708 variable expenses

Margin ratio

84%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly cost base the service has to cover. $ Lean setup Larger team

Break-even chart Revenue Total costs

Which mobile urgent care expenses are fixed and which move with patient visits?

Cost classification

Break-even is only reliable when fixed overhead, visit-linked costs, and staffing steps are kept separate. Here, $11,500 in monthly fixed overhead must be covered before visit volume starts creating true operating lift.

Expense	Cost	Break-Even Treatment	Common Mistake
Technology Platform Licenses	Fixed	Include the $3,000 monthly license in the $11,500 base overhead.	Treating required software as a per-visit charge.
Administrative Office Rent	Fixed	Include the $2,500 monthly rent whether visits are high or low.	Overbuilding office space before route density proves out.
Vehicle Fleet Insurance	Fixed	Include the $1,200 monthly premium even with light route volume.	Tying fleet insurance directly to visit count.
Medical Supplies & Pharmaceuticals	Variable	Model at 7.0% of revenue in the first year.	Using a flat supply budget while visits rise.
Diagnostic Lab Fees	Variable	Model at 3.0% of revenue in the first year.	Ignoring how test mix changes gross margin.
Vehicle Fuel & Maintenance	Variable	Model at 4.0% of revenue in the first year.	Underpricing routing inefficiency between patient homes.
Practitioner Malpractice Insurance	Variable	Model at 3.0% of revenue in the first year.	Separating provider volume from coverage needs.
Patient Coordinator	Semi-fixed	Start with the $50,000 annual salary at 1.0 FTE in the first year, then add staff in steps.	Hiring ahead of real call and scheduling volume.

How does break-even change from a lean launch to a full mobile urgent care setup?

Scenario table

As capacity rises from 60.0% in Year 1 to 72.5% in Year 3 and 85.0% in Year 5, the fixed base gets spread across more visits. That lowers break-even risk, but only if dispatch and staffing stay tight.

Planning assumptions only; reimbursement and utilization can move the real break-even point.

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean launch: Year 1 mobile urgent care	$92,100	$15,657	$49,208	83.0%	$27,235	Above break-even, but the cushion is still modest.
Base case: Year 3 mobile urgent care	$360,843	$57,374	$60,771	84.1%	$242,698	Clearer cushion; fixed costs are spread more efficiently.
Full scale: Year 5 mobile urgent care	$815,575	$118,258	$69,833	85.5%	$627,484	Strong cushion, best fit for dense service areas.

What pressure points push mobile urgent care past break-even?

Stress test

The first-year plan has a $32,813 cushion, but demand and overhead are the weak spots. A $10,000 revenue miss, a $10,000 fixed-cost bump, or a 1-point margin drop all cut into break-even fast, especially if staffing and vehicle costs stay locked.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change.	$59,287	$32,813 cushion	Healthy cushion, but billing delays still matter.
Revenue shortfall	Year 1 revenue falls to $82,100.	$59,287	$22,813 cushion	A modest demand miss cuts headroom fast.
Fixed-cost pressure	Fixed costs rise by $10,000.	$71,335	$20,765 cushion	Locked overhead and fleet costs eat cushion quickly.
Margin pressure	Contribution margin drops from 83% to 82%.	$60,010	$32,090 cushion	Small payer or supply slippage only nicks the buffer.
Combined pressure	Revenue falls $10,000, fixed costs rise $10,000, and margin slips to 82%.	$72,205	$9,895 cushion	Weak demand plus higher overhead nearly wipes out the cushion.

Can you prove enough monthly visits before you buy the fleet?

Founder checklist

Don’t buy vehicles or add territory until you can prove about 298 monthly break-even visits against a Year 1 plan of about 462. At roughly $199 average reimbursement, the math can work, but Month 6 still needs $490,000 in cash.

1Fixed Load$49.2K/mo

Verify monthly payroll plus overhead really lands near $49,208, because that is the fixed base you must cover before any growth matters.

2Demand Floor298 visits/mo

Prove you can hold at least 298 monthly visits, since that is the break-even floor before you scale services or territory.

3Year 1 Load462 visits/mo

Check the plan can sustain about 462 monthly visits in the first operating year, or the model’s cushion disappears fast.

4Reimbursement Mix$199 avg

Confirm the weighted average reimbursement stays near $199 across GP, pediatric, geriatric, diagnostic, and mental health visits.

5Coverage Ramp$250K fleet

Map route density before the $250,000 vehicle buy and keep Medical Director coverage at 0.5 FTE in Year 1, so miles and clinical hours stay productive.

6Launch Stack$490K Month 6

Stage the $100,000 portable diagnostic setup and the $75,000 EHR and scheduling build before volume ramps, and lock billing workflows before claims hit the Billing Specialist role while keeping minimum cash in view.