Personal Concierge Break-Even Analysis: $100K Monthly Revenue Target

Fixed costs $79.0K/mo Core overhead base

Contribution margin 79% After variable costs

Break-even revenue $100.0K/mo Monthly revenue target

Break-even timing Month 5 Model breakeven point

Break-even calculator

Test monthly revenue, variable expenses, and fixed costs to see when this concierge service breaks even.

Lean Base Full

Monthly revenue This is the money coming in before direct costs. $ Low sales High sales Variable expenses These are direct costs that rise with client work. $ Low direct costs High direct costs

Money available to cover fixed costs $546,800 $670,000 revenue - $123,200 variable expenses

Margin ratio

82%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly overhead the business must cover. $ Lean overhead Heavy overhead

Break-even chart Revenue Total costs

Which expenses stay fixed, and which move with bookings?

Cost classification

Break-even works only when fixed overhead stays separate from revenue-linked drag. In the first year, fixed payroll is about $59,167/month, marketing steps at $12,500/month, and variable items take 21% of revenue before overhead.

Expense	Cost	Break-Even Treatment	Common Mistake
Office rent, $3,500/month	Fixed	Include the full monthly rent before calculating the revenue needed to break even.	Leaving it out because no single booking caused it.
Core CRM and communication platforms, $1,200/month	Fixed	Treat the base platform spend as monthly overhead across the planning range.	Spreading the whole platform bill across each booking.
Year 1 payroll, about $59,167/month	Fixed	Use the recurring staffed team as fixed overhead in the source case.	Treating manager salaries like task-by-task labor.
Marketing budget, $12,500/month	Semi-fixed	Model it as a monthly spend bucket that changes in planned steps by year.	Putting all marketing inside CAC and hiding the burn.
Specialized vendor fees, 8.0% of revenue	Variable	Deduct vendor fees from revenue before covering fixed overhead.	Modeling vendor help as overhead instead of revenue drag.
Premium software licenses per manager, 4.0% of revenue	Semi-fixed	Increase this expense as manager capacity grows, not with every errand alone.	Forgetting license jumps when staffing expands.
Client onboarding and welcome kits, 1.5% of revenue	Variable	Treat onboarding spend as tied to new customer volume and sales mix.	Calling onboarding overhead and overstating margin.
Referral and partner commissions, 3.0% of revenue	Variable	Subtract commissions from each referred sale before break-even contribution.	Treating partner payouts as fixed overhead.

How does break-even change across lean, base, and full personal concierge launch scenarios?

Scenario table

Lean strips out Year 1 marketing from fixed overhead, so the break-even point is lower. Base adds payroll and operating spend, and full adds launch cash pressure, so runway matters as much as monthly profit.

Planning cases only; actual break-even will move with client mix, service speed, and staffing.

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean founder-led launch	$84,198	$17,681	$66,517	79%	$0	Lower overhead makes founder-led validation easier.
Base staffed launch	$100,021	$21,004	$79,017	79%	$0	This is the main staffed launch case and needs tight sales.
Full funded rollout	$100,021	$21,004	$79,017	79%	$0	Monthly break-even stays similar, but the $735,000 cash floor tightens runway.

What breaks this concierge break-even plan?

Stress test

The base case needs about $100,021 in monthly revenue, with a 79% contribution margin and $79,017 of fixed costs. Fewer bookings, higher travel and onboarding, or one more manager can wipe out the cushion fast.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change.	$100,021	$0 cushion	Customer acquisition cost (CAC) above $350 or low active customers breaks the base case.
Revenue shortfall	Monthly revenue comes in 10% below the base plan.	$100,021	$10,002 gap	A small booking miss leaves no room for error.
Fixed-cost increase	Add one 1.0 FTE Lifestyle Manager at $65,000 a year.	$106,880	$6,859 gap	Extra payroll lifts the monthly break-even fast.
Margin pressure	Variable costs rise from 21% to 24% of revenue.	$103,970	$3,949 gap	Higher travel or onboarding cuts contribution margin.
Combined pressure	Revenue is 10% below plan, one manager is added, and variable costs rise to 24%.	$111,097	$21,078 gap	Lower bookings and heavier labor can push cash tight.

Will this personal concierge launch clear break-even before you commit to the full build?

Founder checklist

Don’t lock the full launch until booked demand, staffing, and cash line up with break-even. Here’s the quick math: you need about $100,021 in monthly revenue, or roughly 134 active customers at about $745 each, and you need cash above the $735,000 minimum through Month 5.

1Revenue Run-rate$100.0K/mo

Verify you can book about 134 active customers at roughly $745 per month, because that is what gets you to the break-even target.

2Payroll Load$59.2K/mo

Keep payroll at or below this level until booked revenue is real, because extra headcount pushes the fixed-cost wall higher before demand lands.

3Contribution Margin79% CM

Check that Year 1 direct costs stay at 14% for COGS and 7% for variable spend, so contribution margin stays near 79% before payroll and rent.

4Task Capacity1,072 hrs/mo

At 8 billable hours per active customer, 134 customers create about 1,072 task hours a month, so confirm manager coverage, background checks, insurance, vendor standards, and client reply rules can hold up.

5Cash Cushion$735K min

Keep launch cash above the minimum reserve because the model bottoms out at Month 5 and payback takes 10 months.

6CAC Test$350 CAC

Use the Year 1 acquisition cost as the launch test, and do not scale paid ads until service radius, travel time, and response windows work at that cost.