Free tool · Business Health Check

Is your NDIS business actually viable?

NDIS margins are famously thin — the NDIA's own cost model targets just ~2% profit per support hour. Enter a few numbers to see your true cost per hour, your real margin against NDIS price limits, and whether your model stacks up.

Your numbers

Defaults reflect 2025-26 NDIS price limits and the SCHADS award — adjust to match your business.

Standard weekday daily-living / personal-care limit is ~$71.38/hr (PAPL 2025-26).
SCHADS Level 2.3 base is ~$36.75/hr; a casual is ~$44.39/hr with the 25% loading.
Casual adds a 25% loading; permanent adds leave + on-costs we estimate for you.
Super alone is 12% from July 2025. Total on-costs typically run 18-28%.
Admin, rostering, compliance, rent, software. NDIA's cost model allows just ~$7.11/hr (10.5%).
Share of paid worker time that is actually billable to NDIS (travel, no-shows, admin eat into this). 80-90% is good.
Used to project your weekly and annual profit.

Your health check

Updates live as you type.

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Enter your numbers
Your viability score out of 100
True cost per billable hourWage + on-costs + overhead, adjusted for utilisation
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Profit per support hourWhat's left after every cost
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Net marginProfit as % of the NDIS price
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Projected annual profitAt your weekly hours, 52 weeks
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Break-even price you'd needMinimum bill rate to not lose money
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Benchmarks: NDIA Disability Cost Model 2024-25 splits the $67.56 base support hour into wages, on-costs and ~10.5% overhead, leaving a ~2% target margin (analysis). Price limits from the NDIS PAPL 2025-26; wages from the SCHADS award (July 2025).

Numbers look tight? Get registered the affordable way.

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See pricing →

This calculator is a general planning guide using indicative 2025-26 benchmarks. It is not financial, accounting or business advice. Your actual costs, price limits and obligations vary — confirm figures against the current NDIS Pricing Arrangements and the SCHADS award, and speak to a qualified accountant before making decisions.