Fragmentation Tax Calculator — Your Own Numbers
Every figure below is one you supply — reconciliation hours, loaded labor rate, close days, agency spend, interface and BI spend. Nothing is estimated on your behalf.
Want the number checked against your contracts?
Supply your communities, licensed beds, agency spend, and reconciliation hours and we will return an operator-specific model with your subscription expressed as a range of that agency line.
On this page
Every figure below is one you supply. The calculator returns your own fragmentation cost — reconciliation labor, close-day finance labor, interface spend, BI overlay — and expresses it as a band against your agency labor line, never as a single headline percentage. No vendor price benchmarks. No SeniorCRE rates. Runs entirely in your browser, with a one-page PDF for your committee.
Nothing here is sent to a server. Leave a field at zero if you cannot state it — the rest of the calculation still runs.
Every figure above is computed from inputs you supplied. No SeniorCRE® rate, tier, prepay term, or implementation fee is disclosed on this page, and no vendor price benchmark is asserted. Subscription cost is expressed as a range of your own agency labor line during a briefing.
Key points
- The cost your portfolio already carries to keep census, labor and revenue agreeing across separate systems: reconciliation hours × your loaded labor rate, plus any point-to-point interface and BI spend you can identify. Every input is supplied by you. The calculator does not estimate what any vendor charges.
- The prior version of this calculator compared a modelled vendor stack against a published SeniorCRE rate. The vendor benchmarks were not independently sourced, and publishing a rate card discloses the full price curve to competitors while anchoring a number that has to be re-sourced. Both were withdrawn. Subscription cost is discussed in a briefing and expressed as a range of your own agency labo…
- As a band expressed against the agency and premium-labor line you supply, not as a per-bed or per-community figure. That framing is stable when the rate is re-sourced, whereas a single published figure would have to be retracted. Rates are provided in a written quote through a sales conversation.
- Because most operators cannot state the number. An operator who can has already measured its own fragmentation, which is the clearest signal that the operating-record problem is understood internally. If you cannot state it, leave the field at zero — the remainder of the calculation still runs.
- No. The calculation is entirely client-side. Nothing leaves your browser. The shareable URL only encodes the values you typed.
- It is exactly as accurate as the figures you enter. It is a sizing instrument for a board memo or buying committee, not an audited financial statement. Share your actual contracts and close calendar and we will produce an operator-specific model.
- Because the ratio inherits the same sensitivity as the underlying rate. Across the sensitivity range we hold internally, the share moves by roughly a fifth in either direction, so a single headline figure would have to be retracted the moment the rate is re-sourced. The band is computed from your inputs and moves with them.
- Only through a number you supply: corporate finance hours consumed per close day. Close days multiplied by those hours and your loaded rate produce the close-day line. If you leave the hours at zero, close days carry no cost in the model — the field is recorded but never estimated on your behalf.
https://seniorcre.com/tco-penalty-calculator