Own Your Care

Private Pay Rate Calculator

Your private pay rate

$30

per hour

Left on the table — per year

$33,280

the agency keeps this

Your situation

How to use this tool

1Select the type of care you provide.
2Choose your location (rural areas pay less; metro areas pay more).
3Drag the slider to your years of experience.
4Read your private pay rate and the annual gap at the top. That gap is what the agency keeps — every year.

Choose what best describes your primary work.

Rates vary significantly by market.

Experienced caregivers command significantly higher private rates — and agencies almost never reflect that.

8yrs
Move the slider
1 year 20 years
Mid-career · Strong referral candidate

Your numbers

Your private pay rate

$27 – $34 / hr

Based on your experience and market. Families are already paying this — directly to caregivers who went private.

Side by side

Your private pay rate $30 / hr
Agency pay estimate $15 / hr
Gap per hour $15 / hr

What you're leaving behind

Per week (40 hrs) $600
Per month $2,598

Per year · 40 hours per week

$31,200

The agency collects this. Every year you stay, this number resets.

The Private Pay Blueprint + 30-Step Course

The system that closes that gap is $147.

Every script. Every referral contact. Every document. The full Toolkit. 30 steps from your first call to a signed private client at your rate — no agency required.

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Pays for itself in under 9 hours of private pay work.