Maximum Discount Without a Loss: Calculator for Clinics

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Discounting is the decision that moves margin the most and the one most often made on the fly, with the patient sitting in front of you. Knowing the limit before the conversation changes the game: you negotiate with confidence and know when to say no. The calculator shows the lowest possible price and the largest discount that fits.
Your data stays in your browser. The starting values are a hypothetical example.
What does each field mean?
| Field | What to enter |
|---|---|
| List price | The full price of the procedure. |
| Direct cost | Product, disposables and clinical time, in reais. |
| Taxes on the price | Percentage of taxes. |
| Card terminal fee | Average percentage of the fees. |
| Minimum margin you accept | The minimum profit, as a percentage of the price, below which it is not worth closing. |
How is it calculated?
- Margin today = (price × (1 minus taxes and fee) minus cost) ÷ price.
- Minimum price = cost ÷ (1 minus taxes, fee and minimum margin).
- Maximum discount = 1 minus (minimum price ÷ list price).
- Break-even price = cost ÷ (1 minus taxes and fee).
Worked hypothetical example
Hypothetical example: a R$ 2,000.00 price, R$ 700.00 direct cost, 12% in taxes, a 3% fee and a 10% minimum margin.
| Step | Calculation | Result |
|---|---|---|
| Margin today | (2,000 × 0.85 minus 700) ÷ 2,000 | 50% |
| Minimum price | 700 ÷ (0.85 minus 0.10) | R$ 933.33 |
| Maximum discount | 1 minus 933.33 ÷ 2,000 | 53.3% |
| Break-even price | 700 ÷ 0.85 | R$ 823.53 |
| Discount that zeroes profit | 1 minus 823.53 ÷ 2,000 | 58.8% |
A 53% discount is mathematically possible, but rarely a good deal: direct cost does not include your overhead, and the patient starts anchoring the price to the reduced amount.
How do I use the result?
For the cash discount, the cash discount vs. installments calculator shows the equivalent of the fees. For bundles, see the procedure bundle price. And the minimum price per procedure helps you recalculate the whole price list. More on price objections in patient objections.
Frequently asked questions
What is the maximum discount I can give on a procedure?
The one that keeps the price above the calculated minimum: direct cost divided by one minus taxes, fees and the minimum margin you accept.
What is the break-even price?
It is the price at which profit is zero: it covers cost, taxes and fees, but leaves nothing for you.
Can I discount all the way to the break-even price?
Mathematically yes, but that means working for free. Your time, your overhead and your risk need to be part of the direct cost.