Allied Health Margin Calculator

Use this calculator to estimate your per-clinician margin, breakeven point and utilisation. Enter your team's salary, charge rate and billable hours target to see how the numbers stack up. Adjust the inputs to model different scenarios across full-time and part-time staff.

Allied Health Margin Calculator
Staffing & Cost
Employment Type ?Full-time is based on 5 days per week. Part-time lets you enter the number of days worked (including half days like 2.5 or 3.5). Salary and loaded cost are automatically pro-rated.
Base Salary (FTE)
?The full-time equivalent annual salary before super, leave loading or any other on-costs. For part-time staff, still enter the FTE salary. The calculator will pro-rata it based on days per week.
$
Enter a salary between $30,000 and $300,000
Cost Multiplier ?Applied to base salary to estimate the fully loaded cost. Use 1.12x for salary + super only (no overheads), 1.3-1.4x for lean or remote teams, 1.5x for most providers, 1.6-1.7x for higher-overhead setups. Covers on-costs like super (12% from 2025-26), WorkCover, subscriptions, devices and insurances. Leave costs are already accounted for in the 44-week revenue model.
Revenue
Charge Rate ?The hourly rate charged to clients or funding bodies. For example, $193.99 under the current NDIS therapy price guide, or your private, Medicare, DVA or aged care rate.
$ /hr
Enter a rate between $20 and $500/hr
Billable Hours Target ?The target number of billable hours per day at full capacity. Includes all billable activity: face-to-face and non-face-to-face (reports, notes, phone calls). Most providers target 5 to 6 hours per day.
hrs/day
Enter between 1 and 7.6 hours
% of Target Achieved ?The proportion of the billable hours target actually achieved. Accounts for ramp-up time, cancellations, no-shows and other lost time. New hires typically average 70-90% in their first year.
%
Enter between 5% and 150%
Results
Loaded Cost ?The true annual cost of employing this clinician: Base Salary x Multiplier (pro-rated for part-time). Covers on-costs like super, WorkCover, subscriptions, devices and insurances. Leave costs are already accounted for in the 44-week revenue model.
$150,000
Annual Revenue ?Estimated annual revenue based on charge rate, actual billable hours and 44 billable weeks per year.
$213,389
Gross Margin ?Gross margin per clinician: Annual Revenue minus Loaded Cost. Does not include admin salaries, owner drawings, rent or other business-level costs, which would reduce your net margin further. Most providers should target a minimum 20% gross margin per clinician for sustainability.
$63,389
29.7% margin
Breakeven Point ?The minimum billable hours per day needed to cover the fully loaded cost. Below this point, the clinician costs more than they generate.
3.5 hrs/day
70.3% of target
Utilisation ?The proportion of total available hours (7.6 hrs/day) spent on billable work. Professional services benchmarks suggest 70-80% as the sustainable range, with 75% considered optimal.
65.8%
5.0 of 7.6 hrs
Cost per Billable Hour ?What each billable hour actually costs you: Loaded Cost divided by total billable hours per year. Compare this to your charge rate to see the per-hour margin.
$136
$57.63 margin/hr
Assumptions: Uses 44 billable weeks per year (accounting for 4 weeks annual leave, 2 weeks personal leave and ~2 weeks public holidays). Standard working day is 7.6 hours. All figures are exclusive of GST and are estimates for planning purposes. May vary by state, role and service model. Margin shown is gross margin per clinician. Your net margin will be lower once admin salaries, owner drawings, rent and other business-level costs are factored in.

Related: Allied Health Margin Toolkit · Understanding Pay, Profit and Margin · Allied Health Has a Billable Hours Problem

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