$57K Break-Even Revenue for a Senior Care Concierge

Fixed costs $7.5K Month 1 overhead

Contribution margin 75% After variable costs

Break-even revenue $9.9K Monthly target

Break-even timing Month 10 Model crossover

Break-even calculator

Use this calculator to test monthly revenue, variable expenses, and fixed costs against the break-even point for senior care concierge services.

Lean Base Full

Monthly revenue Revenue sets the margin available to cover overhead. $ Low volume High volume Variable expenses These costs move with client work, like referrals, fees, and onboarding. $ Low direct cost High direct cost

Money available to cover fixed costs $46,500 $60,000 revenue - $13,500 variable expenses

Margin ratio

78%

Covers fixed costs

Yes

Fixed monthly costs This is the monthly overhead your margin has to cover. $ Lean overhead Heavy overhead

Break-even chart Revenue Total costs

Which expenses stay fixed and which move with sales in an elder care coordination service?

Cost classification

Break-even is only useful if each expense is placed in the right bucket. Here, fixed overhead sets the monthly floor, while revenue-linked fees reduce contribution margin on every client dollar.

Expense	Cost	Break-Even Treatment	Common Mistake
Office Rent	Fixed	Use $3,500 per month in fixed overhead from Month 1 through Month 60.	Spreading rent across clients and making break-even look easier at low volume.
Utilities & Internet	Semi-variable	Start with the $450 monthly base, then watch for usage increases as staff and office activity grow.	Treating the full amount as fixed forever, even when operating scale changes.
Professional Liability Insurance	Fixed	Include $800 per month in fixed overhead for the relevant monthly planning range.	Leaving it out because it doesn’t tie to a single client visit or case.
CRM & Case Management Software Base	Fixed	Include the $600 monthly base fee before calculating the revenue needed to break even.	Counting only usage-based software and missing the base subscription floor.
Specialized Care Coordination Software Licenses	Variable	Deduct 3.0% of first-year revenue from contribution margin.	Putting license fees in fixed overhead and overstating margin per active customer.
Third-Party Specialist Referrals	Variable	Deduct 6.0% of first-year revenue as a direct revenue-linked expense.	Modeling referral spend as optional overhead instead of a per-revenue drag.
Digital Marketing & Ad Spend	Variable	Use 12.0% of first-year revenue in the break-even contribution margin.	Using only the annual marketing budget and ignoring the revenue percentage assumption.
CEO / Founder and Core Navigator Salaries	Semi-fixed	Model payroll as a fixed monthly load until capacity steps up with more full-time staff.	Dividing salaries by clients and making payroll seem fully variable.

How does break-even shift from a lean launch to base growth and full-service scale for this senior care concierge?

Scenario table

Lean uses the Year 1 mix and lands near $47.8k in monthly break-even revenue. Base rises to about $67.8k, and full-service to about $161.6k, because staffing and support costs climb faster than the contribution margin.

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

Scenario	Monthly Revenue	Variable Costs	Fixed Costs	CM Ratio	Operating Profit	Break-Even Signal
Lean launch case	$47.8k	$12.0k	$35.9k	75%	$0	Lowest hurdle, but the cushion stays thin.
Base growth case	$67.8k	$15.6k	$52.3k	77%	$0	Core model; it crosses in Month 10 and Year 2 EBITDA reaches $415k.
Full-service scale case	$161.6k	$27.8k	$133.8k	82.8%	$0	High fixed load means add-ons should wait until demand is proven.

What breaks the break-even plan if referrals slow or costs rise?

Stress test

Break-even is $574k, but the cushion is thin. If CAC tops $550, billable hours stay below 80, or hiring starts before referrals are steady, losses widen fast and cash has to cover the $643k minimum need in Month 15.

Stress Case	Changed Assumption	Break-Even Revenue	Revenue Gap	Risk Signal
Current plan	No change.	$574,000	$0 gap	No cushion, so a small slip turns into loss.
Revenue shortfall	Revenue lands 15% below plan at $488,000.	$574,000	$86,000 gap	At $488,000, the model loses about $65,000 a month.
Fixed-cost increase	Fixed overhead rises 10% before volume is steady.	$632,000	$58,000 gap	Hiring or overhead moving early pushes break-even higher.
Margin pressure	Variable expenses rise 5 points to 30% of revenue.	$615,000	$41,000 gap	Higher ad spend or referral fees make the plan harder to clear.
Combined pressure	Revenue lands 15% low, variable expenses hit 30%, and fixed costs rise 10%.	$677,000	$103,000 gap	At $488,000, the model is about $132,000 short each month.

What should the founder verify before signing the lease and hiring the first care team?

Founder checklist

You’re not ready to sign the lease or hire up until the model holds the $550 CAC, the $715 recurring monthly revenue per active client, the $85K launch capex, and the $643K cash floor. Those numbers drive the Month 10 break-even path.

1CAC Proof$550 CAC

Validate that new clients can still be acquired near $550 each before you spend the Year 1 $50K marketing budget.

2Fixed Load$7.45K/mo

Make sure the base overhead, including $3,500 rent, $800 insurance, and $1,000 legal retainer, still fits the break-even plan.

3Package Margin75% CM

Check that the package mix still yields about $715 in recurring monthly revenue per active client and about 75% contribution after variable costs.

4Capacity Ramp8.0 hrs

Keep staffing flat until each active client still averages 8.0 billable hours a month, so the Year 1 team can carry the load without early hires.

5Cash Floor$643K floor

Hold enough cash to reach the Month 15 low point, because payback takes 25 months and cash can run tight before EBITDA turns positive.

6Retained Clients80 clients

Build enough pipeline to approach 80 retained clients before leaning on add-ons, so recurring work can support the base team.