Calculator

What does your billing actually cost?

Most practices know what they collect. Far fewer know what it costs to collect it. Put your own numbers in below and the arithmetic is done for you — in-house cost against outsourced cost, monthly and annually.

Your practice

Two figures from your last full month.

Everything billed out, before adjustments.
What reached the bank.

Billing in-house

What the function costs you today. Every figure here is monthly.

Outsourcing

Billing companies price one of two ways. Pick the one you are comparing against and change the rate to whatever you have been quoted.

Typically 4–8%, lower as volume rises.

Anything else

Costs that survive either way, so they do not change the comparison — left here because leaving them out makes the total look wrong.

Clearinghouse fees, credentialing, audits.

How this is worked out

In-house cost = billers × (salary + benefits + employer taxes) + billing software + IT and maintenance + statements and postage + anything else you added.

Outsourced cost = either a percentage of your collections, or a fixed monthly fee — whichever model you selected, at the rate you entered.

Both figures are also shown as a percentage of collections, which is the number worth comparing: it is the only one that stays meaningful as your volume changes.

This calculator makes no assumption about how much more you would collect. Any tool that promises a revenue uplift before seeing your payer mix, denial reasons and A/R ageing is guessing. If you want that estimated properly, we look at your actual data first — ask for a revenue review.