Free tool for home care owners

Home Care Agency cash flow forecast for the next 13 weeks

A home care forecast is weekly caregiver payroll against payers with different speeds. Split private pay from insurance in the forecast.

Cash in the bank today$ Customer payments per week, on average$ Payroll per run, all-in$ Payroll schedule Next payroll is in Fixed bills per month, paid on the 1st$ Other spending per week (supplies, fuel, card)$

Add one-off items (tax payment, equipment, a big invoice)

Negative for money going out, positive for money coming in.

Lowest point

Safe line (2 payrolls)

cash you never want to drop under

Weeks under the safe line

of the next 13

Week of	Comes in	Payroll	Bills and other	Cash at week end

The starting numbers are an example for a home care agency. Replace them with yours.

Getting the forecast right for a home care agency

Put private-pay receipts a week or two after the hours.
Put insurance and VA receipts at their usual payment speed.
Include payroll taxes and workers' comp with each payroll.

An example

An agency adds a client who needs 40 hours a week, billed to long-term care insurance. Caregivers are paid every Friday. The insurer pays about 45 days after the claim. The agency carries six or seven weeks of caregiver wages for that client before the first payment. The forecast shows that before the case starts.

What to watch

Overtime creeping up as caregivers leave
Insurance-backed claims past 45 days
One large client ending service

Get your full forecast every Monday

One Page CFO builds your 13-week forecast from your QuickBooks, invoice by invoice, and a CFO checks it before it reaches you.

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