Corporate Wellness Program
Financial Model

What are the key revenue streams?

Your revenue is driven by monthly per-employee fees across a mix of service tiers and add-ons. The model assumes customers are acquired through a marketing budget that starts at $300,000 in Year 1, with a Customer Acquisition Cost (CAC) beginning at $30 per employee. Revenue is then built from a blend of services like Basic Wellness at $15/month and Mental Health Support at $12/month, allowing you to model how different service mixes impact overall income.

Core Revenue Streams

• Basic Wellness Plan: Core fitness and health content.
• Pro & Premium Wellness Plans: Advanced features and personalization.
• Mental Health Support: Add-on for therapy and counseling access.
• Financial Wellness: Add-on for financial coaching and tools.

What is the path to profitability?

You're projected to hit profitability quickly, with the breakeven point occurring just 7 months after launch, in July 2026. While the first year shows a slight EBITDA loss of -$31,000 due to initial startup costs, the business scales rapidly to an EBITDA of $1.5 million in Year 2 and over $4.2 million in Year 3. This trajectory is driven by decreasing customer acquisition costs and scaling revenue against a relatively stable fixed cost base.

Levers for Improving Profitability

• Increase customer lifetime value by cross-selling premium services.
• Optimize marketing spend to lower CAC from $30 to $15 by Year 5.
• Negotiate lower provider network fees as your user base grows.
• Automate onboarding to reduce client success commissions over time.

How much initial capital is needed?

To get this corporate wellness program off the ground, you'll need an initial capital investment of $235,000. This covers all critical one-time startup costs required before you start generating significant revenue. The largest single expense is the $150,000 for initial platform development, which is essential for delivering your services. The remaining funds cover office setup, IT hardware, branding, and legal compliance.

Major Capital Expenses

• Platform Initial Development: $150,000
• Office Leasehold Improvements: $30,000
• Brand & Marketing Asset Creation: $25,000
• Initial IT Hardware & Software: $20,000

What are the cash flow dynamics?

Managing cash flow is critical, and this model shows you exactly where you stand month by month. The forecast indicates your lowest cash point will be $539,000 in August 2026, right after the initial capital expenditures but just as revenue starts to ramp up. The employee wellness budget template automatically calculates your monthly cash balance, helping you anticipate and plan for these tight spots to ensure you always have enough runway.

Strategies to Avoid Cash Gaps

• Secure upfront annual payments from clients instead of monthly billing.
• Delay non-essential capital expenditures until cash flow is positive.
• Establish a line of credit as a backup for unexpected expenses.
• Carefully manage hiring to align payroll costs with revenue growth.

What is the expected return on investment?

Investors can expect solid returns, with the model projecting an Internal Rate of Return (IRR), a popular metric for measuring an investment's profitability, of 12%. The payback period is just 18 months, meaning you'll recoup the initial investment relatively quickly. Plus, the Return on Equity (ROE) stands at a strong 27.72%, showing efficient use of shareholder capital to generate profits. These metrics make for a compelling case when seeking funding.

Key Investor Metrics

• Internal Rate of Return (IRR): 12%
• Months to Payback: 18
• Return on Equity (ROE): 27.72%
• Five-Year EBITDA Growth: From -$31k to $13M

When do we reach the break-even point?

You are projected to hit your break-even point-the moment when total revenue equals total costs-in July 2026, just 7 months after launching. This rapid path to breaking even is a strong indicator of the business model's viability and efficiency. It shows that your pricing, cost structure, and customer acquisition strategy are aligned to start generating profit early in the company's lifecycle, which is defintely a key milestone for any startup.

How to Accelerate Break-Even

• Focus on high-margin services like the Premium Wellness plan.
• Secure a large anchor client early to cover fixed costs quickly.
• Use organic marketing channels to reduce initial cash burn.
• Implement a leaner staffing plan for the first six months.

How do scenarios impact performance?

This workplace health ROI calculator allows you to model Low, Base, and High scenarios to understand how your financials change under different conditions. By adjusting key drivers like customer growth rate or average revenue per user, you can see the direct impact on your revenue, margins, and cash flow. This helps you prepare for uncertainty, identify key risks, and develop contingency plans to keep your business on track no matter what the market throws at you.

Using Scenarios for Strategic Planning

• Stress-test your model to identify potential vulnerabilities.
• Set realistic targets with a clear understanding of upside potential.
• Create data-backed contingency plans for worst-case outcomes.
• Present a balanced financial outlook to investors.

This corporate wellness financial model is 100% editable, giving you full control to match it to your specific business plan. You can easily adjust all core assumptions-from pricing and customer acquisition costs to staffing and expenses-without needing to build complex formulas from scratch. This flexibility helps you create accurate financial projections for your employee wellness program and saves you dozens of hours.

Adjust all key assumptions

Model multiple revenue streams

Tailor expense forecasts

Align with your business plan

You get a complete 5-year financial forecast to map out your long-term growth and profitability. This detailed projection helps you understand the financial impact of your decisions, from scaling your marketing budget to hiring new team members. It's an essential tool for strategic HR wellness financial planning, securing investment, and guiding your company toward sustainable success.

Plan for long-term growth

Make data-driven decisions

Prepare for investor meetings

Forecast revenue and costs

The model provides a clear breakdown of both your initial startup costs and recurring operational expenses. You can accurately budget for one-time investments like platform development and office setup, as well as ongoing costs like salaries, software licenses, and marketing. This detailed view of your employee well-being program cost analysis spreadsheet prevents cash flow surprises and ensures you're well-capitalized from day one.

Estimate initial investment

Track monthly fixed costs

Manage variable expenses

Avoid unexpected cash gaps

We've built this employee wellness budget template with industry-specific benchmarks to ground your projections in reality. You can compare your key metrics, like customer acquisition cost and provider fees, against realistic standards. This helps you set achievable goals, identify areas for improvement, and build a financial plan that is both ambitious and credible to investors.

Validate your assumptions

Set realistic targets

Compare against standards

Strengthen your business case

Our financial modeling for HR wellness initiatives works seamlessly in both Microsoft Excel and Google Sheets, giving you the flexibility to work wherever you're most comfortable. Whether you're on a Mac or Windows, or collaborating with your team in real-time online, the template is fully functional. This ensures easy access and sharing across your entire organization without compatibility issues.

Works on Windows and Mac

Full Google Sheets support

Collaborate with your team

Access from any device

The model includes a dynamic, pre-built dashboard that visualizes your most important financial metrics. With clear charts and graphs, you can instantly see your revenue growth, profit margins, and cash flow trends without digging through spreadsheets. This high-level view is perfect for tracking progress, making quick decisions, and presenting your company's financial health to stakeholders.

Visualize key metrics

Track performance easily

Simplify complex data

Share insights quickly

You're not just getting a spreadsheet; you're getting a professionally formatted, investor-ready report. The clean design, clear financial statements, and detailed assumptions section are structured to meet the high standards of venture capitalists and lenders. This template gives you the confidence to present your corporate wellness program finance with clarity and professionalism.

Professionally formatted

Includes key financial statements

Clear assumptions layout

Build credibility with investors