Three calculations on 2026/27 rates: a care home's weekly fee, the cost of care staff, and a nursery's funding gap.
Enter your beds, occupancy and annual costs to see the weekly fee per resident you need to break even, the fee with your margin, and what an empty bed costs over a year.
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Enter an hourly rate, weekly hours and the number of staff to see pay, 12.07% holiday pay, employer National Insurance and pension, and the cost from April 2027 at £13.21.
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Enter the funded hours you deliver for each age group, your council's rates and your own cost per hour to see the funding gap over the 38 funded weeks.
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From the published sources: the National Living Wage from GOV.UK's minimum wage rates, employer National Insurance and the Employment Allowance from HMRC's rates and thresholds for 2026 to 2027, the 12.07% holiday accrual from the Working Time Regulations as amended in 2023, and the early years funding rates from DfE's 2026 to 2027 funding formula. Each figure is listed with its source at the top of the calculator code.
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Buzz Money Coach is a trading name of Buzz Accounting Ltd (company 15182358). Coaching is not regulated financial advice.
Asks 22 questions across eight areas of your own finances and shows where you are strong and which area to work on first.
Open the toolWorks out how many months of household spending to keep in reserve, how much cover you hold now and the monthly amount that closes the gap.
Open the toolCovers sorting a month of your own spending into four groups, paying yourself first and working out your survival number.
Read more on Buzz Money CoachSend us your last accounts and a payroll report and we will go through them with you in a free review.