Home care charge rate calculator
Work out the care charge rate you need to protect margin.
Model wages, travel time, mileage, payroll on-costs, admin overhead, and margin to see whether your current hourly care rate is sustainable.
Recommended charge rate
£31.46/hr
Minimum rate to keep a 25% gross margin after care delivery, travel, mileage, payroll on-costs, and admin.
Current charge rate
£28.00/hr
True delivery cost
£23.60/hr
Monthly margin gap
£2,251.41
Pricing story
A rate can look profitable until travel and payroll hit it.
In this model, a £28.00/hr charge rate gives £4.40 profit per care hour and a 15.7% gross margin. To hit your selected margin, the rate needs to be £31.46/hr.
Scenario comparison
| Scenario | Pay basis | True cost | Recommended rate | Profit/hour | Margin |
|---|---|---|---|---|---|
| Weekday | £13.50 | £23.60 | £31.46 | £4.40 | 15.7% |
| Weekend | £15.52 | £26.96 | £35.94 | £1.04 | 3.7% |
| Bank holiday | £20.25 | £34.79 | £46.39 | -£6.79 | -24.3% |
| Overtime | £20.25 | £34.79 | £46.39 | -£6.79 | -24.3% |
| Sleep-in equivalent | £9.33 | £16.69 | £22.25 | £11.31 | 40.4% |
Workmax cost reduction check
How much would Workmax need to save to pay for itself?
Based on current Workmax pricing, a practical care stack is Care & EVV, Payroll, Scheduling, and Time Tracking. That works out at £25/month platform fee plus £11 per active user/month before VAT, with 15% off on annual billing.
Estimated Workmax monthly cost
£91.00
6 active users x £11 + £25 platform
Annual billing equivalent
£77.35
15% annual discount applied
Break-even saving per care hour
£0.14
Monthly Workmax cost spread across your billable hours
Admin/travel hours to break even
3.9 hrs/mo
At your true hourly employer cost of £23.60
Reduce payroll checking
Use verified visits, timesheets, mileage, and exceptions instead of reconciling rota spreadsheets by hand.
Control travel leakage
Keep travel time and mileage closer to the rota and visit record, so cost drift is easier to spot.
Protect charge-rate margin
Connect care delivery evidence to payroll-ready data so pricing assumptions can be compared against real operations.
This is a break-even model, not a guaranteed saving. It shows how small the monthly admin, travel, or payroll leakage reduction needs to be before Workmax starts to make financial sense.
Recommended charge rate
£31.46
Undercharging warning: current rate is below the recommended sustainable rate.
Workmax operational resource
Home Care Charge Rate Summary
Built by people who understand care operations and payroll. Figures are estimates for planning, not legal, tax, payroll, or pricing advice.
True hourly employer cost
£23.60
Recommended client charge rate
£31.46
Gross margin
15.7%
Monthly profitability
£2,861.44
Cost breakdown
Base wage
£13.50
Holiday-adjusted cost
£15.13
Cost including pension & NI
£17.56
Cost including travel
£17.01
Holiday accrual
£1.63
Employer NI
£2.03
Pension
£0.40
Travel time
£2.43
Mileage
£1.08
Admin overhead
£2.53
Travel impact
14.9% of hourly cost
Scenario comparison
| Scenario | True cost | Recommended rate | Margin |
|---|---|---|---|
| Weekday | £23.60 | £31.46 | 15.7% |
| Weekend | £26.96 | £35.94 | 3.7% |
| Bank holiday | £34.79 | £46.39 | -24.3% |
| Overtime | £34.79 | £46.39 | -24.3% |
| Sleep-in equivalent | £16.69 | £22.25 | 40.4% |
Workmax automates this using real rota + payroll data, including visits, travel, mileage, timesheets, and payroll-ready evidence.
Powered by real UK care payroll logic
How to calculate a sustainable home care charge rate
A sustainable care rate needs to cover more than the worker's hourly wage. For home care and domiciliary care, the hidden margin pressure often sits in travel time, mileage, holiday accrual, employer National Insurance, pension contributions, admin overhead, and unsocial-hours uplifts.
Why travel changes charge rates
Two care packages can have the same client charge rate but very different profitability. Short visits, rural routes, parking delays, and unpaid gaps between visits can turn a healthy hourly price into a thin operational margin.
Employer contributions
The calculator includes employer NI, pension contribution assumptions, holiday accrual, and the optional apprenticeship levy. These are planning assumptions and should be checked against your payroll setup.
Homecare benchmark context
The Homecare Association's 2026/27 minimum price work is a useful national reference point for sustainable homecare pricing. Local authority and private-pay rates still vary by area, complexity, visit length, and payer mix.
Margin health indicators
Healthy, moderate risk, low margin, and travel-heavy indicators show where rota design, travel assumptions, or charge rates may need closer review before profitability disappears.
Operational note
This calculator is an estimate for internal planning. It does not replace payroll, employment law, tax, commissioning, or pricing advice. Use your actual rota, payroll, pension, holiday, mileage, and local market data before making commercial decisions.
Home Care Charge Rate Calculator FAQ
Common questions about using the home care charge rate calculator.
It is built for UK domiciliary care, home care, supported living, complex care, and multi-site care providers who need a clearer view of wage-to-cost, target margin, and charge-rate economics.
No. The calculator is free to use without registration. You can print the result, save it as a PDF from your browser, or share a link with the non-personal inputs encoded in the URL.
The calculator estimates an hourly cost after wage, holiday accrual, employer NI, pension, travel time, mileage, apprenticeship levy where selected, and admin overhead. It then applies your desired gross margin to recommend a charge rate.
No. It is an operational planning tool. You should check payroll rules, pension setup, contracts, local commissioning rates, and professional advice before setting prices.
Workmax connects rotas, visit evidence, travel, mileage, timesheets, and payroll data so care providers can use real operational records instead of maintaining separate spreadsheets.
