Free care tender tool

Know your number before you bid.

Estimate your fully loaded cost per chargeable hour, calculate the rate needed for your target margin and test whether a proposed award price is commercially workable.

Management accountant designed2026/27 UK defaultsYour figures stay in your browser

Print or save your pricing calculation as PDFChoose “Save as PDF” in your browser’s print window to download a copy.

Your assumptions

Replace every default with figures for your workforce and contract.

Care worker payBase hourly payNLW age 21+ is £12.71 from April 2026£Paid hours per worker each weekUsed to estimate annual NI and pensionhrs

Employment on-costsEmployer NI rateApplied above the annual secondary threshold%Employer pension rateApplied to the qualifying earnings band%Holiday provisionAdjust for your workforce and calculation method%Training and CPD provisionPaid non-chargeable time%Absence and cover provisionYour planning assumption%

Delivery and targetTravel and non-contact timeUplift on employment cost%Mileage and travel expensesPer chargeable hour£Overhead recoveryManagement, systems, insurance and office£Target profit marginPercentage of the final charge rate%Contract hours per weekUsed for the annual illustrationhrs

Estimated minimum charge rate£23.86per chargeable hour for a 8% target margin

Fully loaded cost£21.95

Profit per hour£1.91

Estimated hourly cost build-up

Base pay£12.71

Employer NI£1.52

Employer pension£0.29

Holiday, training and absence£2.04

Travel and non-contact£1.99

Mileage and overhead£3.40

Test an offered price

Commissioner's hourly rateCompare the offer with your estimated cost£

12.2%Meets your target margin£3.05 profit per hour

Annual contract illustration

100 chargeable hours a week over 52 weeks at £23.86.

Revenue£124,047Cost£114,124Profit£9,924

This calculator is a planning estimate, not financial, employment, tax or legal advice. It excludes several variables that may materially affect a tender, including TUPE, unsocial-hours enhancements, guaranteed hours, voids, bad debt, inflation, Employment Allowance and contract-specific risk. Verify statutory rates and build a full model before submitting a price.

How the estimate works

From gross pay to a sustainable charge rate.

Employment costBase pay plus estimated employer NI, pension, holiday, training and absence provision.
Delivery costTravel and non-contact time, mileage and overhead recovery are added per chargeable hour.
Target priceThe rate is grossed up so profit represents your chosen percentage of the final charge price.

Employer NI uses the standard 15% rate above the £5,000 annual secondary threshold. Pension uses a 3% employer contribution on qualifying earnings between £6,240 and £50,270. Employment Allowance, age-related NI reliefs, salary sacrifice and scheme-specific pension rules are not automatically applied.

For a live tender

A headline rate is only the beginning.

We build full pricing models around rotas, TUPE, enhancements, travel, management structure, inflation, mobilisation, contract risk and commissioner schedules.

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