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NDIS Provider Margin Calculator

Check whether your hourly rate for support work covers your costs. Choose a support, your worker's pay and your overheads to see your margin per hour, per shift and per week. Nothing you enter is saved or sent to us.

Price limits: NDIS Support Catalogue 2026-27 v1.1, effective 24 September 2026. Default cost assumptions are based on the NDIA's Disability Support Worker Cost Model 2026-27.

Support: Personal care (standard)

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When?: Weekday daytime

Where is the support delivered?: Standard (MMM 1–5)

Your hourly charge rate ($): 73.58

Worker level: Level 1

Base hourly pay ($): 38.5

Employment type: Permanent

Shift loading (%): 0

Leave and entitlements (%): 21.9

Superannuation (%): 12

Employee allowances (%): 1

Operational overheads (%): 21.65

Corporate overheads (%): 12

Casual loading (%): 25

Hours per shift: 2

Billable hours per week across your team: 40

Search by support name or NDIS item number.

When?

Evening, night, weekend and public holiday supports have higher price limits. If one support runs across two time bands with the same worker, the higher price limit applies to the whole support.

Where is the support delivered?

The price limit depends on where the support happens, not where you live. Most cities and regional towns are Standard. Remote and Very remote price limits apply in areas classed as MMM 6 and MMM 7 under the Modified Monash Model, and in a few towns the NDIS has reclassified. If you're not sure, ask your provider or plan manager.

Not sure? Check a suburb or postcode →

This starts at the NDIS price limit. Change it to the rate you actually charge.

Worker level

Levels 1 to 4 match the base pay the NDIA assumes for different support worker roles. Use Custom for your actual pay rate.

Levels 1 to 4 match the base pay the NDIA assumes for different support worker roles. Use Custom for your actual pay rate.

Employment type

Casual workers get a casual loading instead of paid leave.

Set from the time of day you chose. Change it if your award or agreement is different.

Adjust cost assumptions

These defaults are the NDIA's assumptions for an efficient provider. Change them to match your business.

Annual leave (with leave loading), personal leave, public holidays and long service leave, as a share of base pay.

Supervision, rostering, training, workers' compensation and time that can't be billed, such as travel between clients and admin.

Office, accounting, HR, IT, insurance and marketing.

Margin per hour: $1.44

2.0% on top of your costs

Wages (incl. loadings)$38.50
Leave and entitlements$8.43
Superannuation$5.63
Allowances$0.39
Operational overheads$11.46
Corporate overheads$7.73
Total cost per hour$72.14
Your charge rate$73.58
Margin per hour$1.44

Margin per 2-hour shift: $2.88

Margin on 40 billable hours a week: $57.56

About $2,993.18 a year

At this charge rate, you break even paying up to $39.27 an hour base pay.

Your charge rate covers your costs with a margin of 2.0%.

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How to use the calculator

  1. Choose the support, the time of day and where it's delivered. The charge rate starts at the NDIS price limit.
  2. Choose the worker level and employment type, or enter your own base pay rate.
  3. Open "Adjust cost assumptions" and change the overheads to match your business.
  4. Read your margin per hour, per shift and per week, and the most you can pay before you lose money.

How the NDIS price limits are built

The NDIA sets price limits for support work using its Disability Support Worker Cost Model. It starts with award pay rates for four levels of support worker, then adds shift loadings, leave and super, operational overheads (like supervision and time that can't be billed), corporate overheads and a small margin. This calculator follows the same steps, so you can swap in your own numbers.

Frequently asked questions

Where do the default numbers come from?

The default pay rates, leave, super and overhead percentages are based on the assumptions the NDIA published in its Disability Support Worker Cost Model 2026-27. They describe an efficient provider, so your real costs may be higher or lower.

Why is my margin so small?

The NDIA's model assumes a margin of about 2% at the price limit. If your overheads, pay rates or non-billable time are higher than the model assumes, your margin will be smaller or negative.

How do casual workers change the result?

Casual workers get a casual loading instead of paid leave. Depending on your overheads, casual shifts can cost more or less than permanent ones.

Does this include travel time?

Time workers spend travelling between clients that you can't bill is part of operational overheads. Some travel can be claimed under the NDIS Pricing Schedule. Check the rules for the support you deliver.

Can I charge more than the price limit?

Not to participants whose funding is NDIA-managed or plan-managed. Self-managed participants can agree a different price, but it still needs to be value for money for them.

Is what I enter saved?

No. The calculator works in your browser. Nothing you type is saved or sent to Choosable.

Get more NDIS participants

List your business free on Choosable so participants and support coordinators in your area can find you.

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Default cost assumptions are based on the NDIS Disability Support Worker Cost Model 2026-27, © National Disability Insurance Agency 2026. Award pay rates are from the Social, Community, Home Care and Disability Services Industry Award.

This calculator gives estimates and general information only. It isn't financial, legal or industrial relations advice. Choosable is an independent directory and isn't part of the NDIA. Check your award or enterprise agreement and get advice for your business.