Free Tool
Startup Cost Calculator
No invented figures: costs genuinely vary by state and vendor, so each line tells you where the real number comes from, you enter the quotes you collect, and the math stays honest.
One-time startup costs
State application and license fee
Your state agency's fee schedule for your license class. Our License Requirement Lookup links the agency.
Entity formation and filings
Your state's business filing fee, plus a registered agent service if you use one.
Insurance down payments
Quotes from a broker who writes home care: general and professional liability, plus workers compensation once you hire.
Background checks and screenings (initial hires)
Per-check cost from your state's required system, times the hires you plan before opening.
Training, CPR or first aid, and materials
Course fees from the providers your state accepts, times initial hires.
Office, phone, and records setup
Your real office plan: space per your state's rule, a business phone line, secure record storage.
Launch marketing
Website, local listings, and printed materials for referral outreach, at your chosen spend.
Monthly operating costs
Used to size your operating buffer: in home care you pay caregivers weekly or biweekly while clients and payers pay on their own cycle.
Scheduling or EVV software (monthly)
The vendor's published price for your size. If Medicaid is in your plan, ask about your state's EVV integration.
Insurance premiums (monthly)
The monthly figure from the same broker quotes above.
Office rent and utilities (monthly)
Your lease quote, or zero if your state and zoning allow a home office.
Expected caregiver payroll (monthly, at launch)
Your planned starting hours times local caregiver wages plus employer costs. This is the line that makes the buffer real.
Operating buffer months
Months of the monthly total to hold in reserve before revenue covers it. Two to three months is a common planning stance; choose your own.
One-time costs (your quotes)
$0
Monthly operating total
$0 / month
Operating buffer (2 months)
$0
Cash to launch, from your quotes
$0
Totals reflect only the numbers you entered; they are planning figures, not quotes or averages. HomeCareLicensed is an independent information publisher. We are not a law firm, licensing consultant, health care provider, or government agency, and nothing here is legal or medical advice. Home care licensing requirements change and vary by state and locality; always confirm current requirements with your state's licensing agency before acting. We make no promises about license approval, timelines, income, or business results.
Now see the path those costs attach to
The free assessment maps your binder-people-proof path; the State Home Care Licensing Kit names your state's agency and walks every document in order. $299 once, 30-day money-back guarantee.
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