Trace a number: Projected 12-month reserve

Where did this number come from?

Projected 12-month reserve

=current reserve balance+ 12 ×expected monthly reserve change

Expected monthly reserve change

=monthly funding−employment cost−operating expenses

In words

If this month's surplus or deficit continued for a year, this is where today's reserve would stand. It can grow, shrink, or fall below zero. It is not capped at one month of funding.

The amounts

You enter the opening reserve on Funding. Monthly funding is the funding rate times funded hours. The client contribution sits inside that entitlement, not on top. Employment cost comes from Care Team. Operating expenses come from Expenses.

Separate readings

The Budget test is that same monthly change. The reserve-growth goal subtracts the desired monthly growth from it. The Hours test does not enter this dollar path. The sentence beside the 12-month figure is a status, not another test.

How the three readings stay separate

Inspect the parts

Open a part to see what you enter, which Parameters it uses, and where it appears in the workbook.

The 12-month figure

1. The number this page traces

   Projected 12-month reserve

   Where the operating reserve may stand in twelve months if the expected monthly change continues. It starts from today's balance. It is not capped at the authorized surplus. A separate status sentence says whether that uncapped balance is below the target, reaches the target, exceeds the one-month authorized surplus, or is exhausted and below zero. That status is not the Hours test, the Budget test, or the reserve-goal test.

   Inputs, Parameters, and workbook locations

   Relationship

   Current operating reserve + 12 × Expected monthly reserve change

   What you enter

   • Current operating reserve. The accumulated balance the projection starts from. It is not a monthly expense and it is not the desired growth amount.

   Comes from

   • Expected monthly reserve change

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Funding A6: 12-month operating reserve, Current.
   • Funding G6: 12-month operating reserve, Proposed.
   • Funding A7: 12-month reserve status, Current. A status sentence, not a fourth test.
   • Funding G7: 12-month reserve status, Proposed.
   • Calculations B61: Projected 12-month reserve, Current.
   • Calculations C61: Projected 12-month reserve, Proposed.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

2. Part of that number

   Expected monthly reserve change

   Cash left after employment cost and operating expenses. Positive means the reserve is expected to grow. Negative means it is expected to shrink. Desired monthly reserve growth is not subtracted here. This is the same residual as the Budget test.

   Inputs, Parameters, and workbook locations

   Relationship

   Monthly CSIL funding − Employment cost − Operating expenses

   What you enter

   Nothing is typed directly into this line. It uses the earlier steps.

   Comes from

   • Monthly CSIL funding
   • Employment cost
   • Operating expenses

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Funding F4: Operating balance / month, Current. Same residual as the Budget test: funding minus employment cost minus operating expenses.
   • Funding L4: Operating balance / month, Proposed.
   • Client Review D15:L15: Operating balance, Current / Proposed / change.
   • Calculations B60: Expected monthly reserve change, Current.
   • Calculations C60: Expected monthly reserve change, Proposed.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

The three amounts in the monthly change

1. Part of that number

   Monthly CSIL funding

   The full monthly entitlement. It is the funding rate times funded hours. Planned care hours do not replace funded hours. The client contribution is not added on top. The health-authority share is this amount minus the contribution.

   Inputs, Parameters, and workbook locations

   Relationship

   CSIL funding rate × Funded support hours

   What you enter

   • CSIL funding rate. Dollars per funded support hour. Enter it on Funding. A blank Proposed cell keeps the Current rate. Zero means zero.
   • Funded support hours. Support hours available for the month. Funding uses this number. It is not replaced by planned care hours, even when the care team is over.

   Comes from

   This step starts from what you enter and from Parameters.

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Funding C14: Current monthly funding.
   • Funding I14: Proposed monthly funding.
   • Funding A4: Funding / month, Current. The same Calculations cell is shown on Care Team, Expenses, and Client Review.
   • Funding G4: Funding / month, Proposed.
   • Client Review D12:L12: Monthly funding, Current / Proposed / change.
   • Calculations B24: Monthly funding used for the budget. B23 is the same hours × rate product. B24 is the copy the budget uses.
   • Calculations C24: Proposed monthly funding.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

2. Part of that number

   Employment cost

   The estimated full monthly cost of the care team: wages, vacation, sick and statutory planning allowances, and employer CPP, CPP2, EI, and WorkSafeBC. Wages use paid units and rates. Care hours are not the wage base. CPP, EI, and WorkSafeBC are worked out per person, then added. Above 20 people, wages still total, but those employer amounts use only the first 20 names. The workbook then says the payroll estimate is incomplete. Do not treat that employment cost as final.

   Inputs, Parameters, and workbook locations

   Relationship

   For each active, named component: weekly wages = paid units per week × rate annual wages = weekly wages × (365 / 7) sick = annual wages × sick rate statutory = (weekly wages / 7) × statutory multiplier × statutory days vacation = (annual wages + sick + statutory) × vacation percentage wage base = annual wages + sick + statutory + vacation For each person, on that person's wage base (first 20 names): CPP = CPP rate × max(0, min(wage base, YMPE) − exemption) CPP2 = CPP2 rate × max(0, min(wage base, YAMPE) − YMPE) EI = EI rate × min(wage base, maximum insurable earnings) WorkSafeBC = WorkSafeBC rate × wage base Employment cost = (all wage bases + CPP + CPP2 + EI + WorkSafeBC) / 12

   What you enter

   • Person name. The care-team name on a component row. A blank name drops the row out of the plan. The same name on several rows is one person for CPP, EI, and WorkSafeBC.
   • Team status. Scheduled or Casual keeps the row on that plan. Inactive, or a blank name, drops it. A Proposed status can include or exclude one component without changing Current. Casual may keep a rate with zero recurring units.
   • Paid units per week. How many pay units are bought each week. This drives wages. It is a different column from care hours per week.
   • Rate per unit. Pay for one unit on that row. A person may have several rows and several rates. The planner does not recommend what anyone should be paid.
   • Vacation percentage on a row. Optional percentage on a component. Blank uses the Parameters default, including when Proposed is blank. Zero means zero. After five years the row can be set to 6%. That 6% figure is chosen on the row. It is not applied automatically.

   Comes from

   This step starts from what you enter and from Parameters.

   Parameters

   • Weeks in a year. 365/7. Status: Planning assumption. Effective calendar. Source: Calendar. Annualizes weekly wages as weekly pay times 365/7. Twelve average months equal this same year, so monthly direct wages and the annual wage base describe one year. On the workbook: Calculations B6.
   • Vacation default. 4%. Status: Verified policy limit. Effective BC ESA. Source: BC Employment Standards. Used when a component's vacation cell is blank. A row can be set to 6% after five years. Zero on the row overrides this default. On the workbook: Parameters C11.
   • Sick planning allowance. 2% of annual direct wages. Status: Planning assumption. Effective planning. Source: BC Employment Standards. A planning allowance. It is not a count of sick leave taken. On the workbook: Parameters C12.
   • Statutory holiday days. 11 days per year. Status: Planning assumption. Effective planning. Source: BC Employment Standards. Planning allowance only. Not a payroll engine. On the workbook: Parameters C13.
   • Statutory holiday multiplier. 1.5 times the daily equivalent. Status: Planning assumption. Effective planning. Source: BC Employment Standards. Planning allowance. Same method as the previous planner. On the workbook: Parameters C14.
   • CPP employer rate. 5.95%. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Employer CPP on pensionable earnings after the basic exemption, up to YMPE. Applied per person, not on one combined wage total. On the workbook: Parameters C4.
   • CPP basic exemption. $3,500 per person per year. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Applied once per person. On the workbook: Parameters C5.
   • CPP YMPE. $74,600. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Year's Maximum Pensionable Earnings. Caps base CPP per person. On the workbook: Parameters C6.
   • CPP2 employer rate. 4%. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Applied per person on earnings between YMPE and YAMPE. No basic exemption on this tier. On the workbook: Parameters C7.
   • CPP YAMPE. $85,000. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Year's Additional Maximum Pensionable Earnings for CPP2. On the workbook: Parameters C8.
   • EI employer rate. 2.282%. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. 1.4 times the employee rate. Applied per person up to the maximum insurable earnings. On the workbook: Parameters C9.
   • EI maximum insurable earnings. $68,900. Status: Verified policy limit. Effective 2026-01-01. Source: Canada Revenue Agency. Caps employer EI per person. On the workbook: Parameters C10.
   • WorkSafeBC rate. 1.46%. Status: Planning assumption. Effective confirm classification. Source: WorkSafeBC. The only WorkSafeBC rate the planner uses. Confirm the classification before relying on it. There is no YMPE-style cap in this model. On the workbook: Parameters C16.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Calculations B48: Employment cost / month, Current.
   • Calculations C48: Employment cost / month, Proposed.
   • Funding D4: Total cost / month, Current.
   • Funding J4: Total cost / month, Proposed.

   The monthly employment-cost rollup is mapped. The dashboard total cost also includes operating expenses, so that card is only part of this step. Per-component helper columns are not listed cell by cell.

   Employer CPP, CPP2, EI, and WorkSafeBC use the first 20 people. Sick and statutory lines are planning allowances, not payroll execution.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

3. Part of that number

   Operating expenses

   The sum of the ten operating amounts. Desired monthly reserve growth is not in the sum. A blank Proposed amount keeps the Current amount and zero removes that cost. Proposed expenses can therefore differ from Current.

   Inputs, Parameters, and workbook locations

   Relationship

   sum of the ten operating expense amounts, after any scenario override

   What you enter

   • Operating expense amounts. The ten monthly operating amounts. Type 0 when the amount is zero. A blank Current cell is not proof of zero spending. On Expenses, a blank Proposed amount inherits Current and zero removes that cost.

   Comes from

   This step starts from what you enter and from Parameters.

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Expenses C11:C20: Current operating expense amounts. Desired monthly reserve growth is not in this list.
   • Expenses E11:E20: Proposed operating expense amounts. Blank inherits Current. Zero removes that cost. Effective amounts are column F.
   • Calculations B55: Operating expenses / month, Current.
   • Calculations C55: Operating expenses / month, Proposed. Uses the effective Proposed expense amounts. Blank inherits Current and zero removes the cost.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

Readings that stay separate

1. A separate reading

   Budget test

   Whether employment cost and operating expenses fit inside monthly funding. Negative room means the plan does not fit the funding. This is the same residual as the expected monthly reserve change. It does not subtract desired reserve growth, and it does not look at care hours. A budget that fits is not permission under CSIL policy.

   Inputs, Parameters, and workbook locations

   Relationship

   Same residual as Expected monthly reserve change: Monthly CSIL funding − Employment cost − Operating expenses

   What you enter

   Nothing is typed directly into this line. It uses the earlier steps.

   Comes from

   • Expected monthly reserve change

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Funding F4: Operating balance / month, Current. Same residual as the Budget test: funding minus employment cost minus operating expenses.
   • Funding L4: Operating balance / month, Proposed.
   • Client Review D15:L15: Operating balance, Current / Proposed / change.
   • Calculations B58: Room in monthly funding (Budget test), Current.
   • Calculations C58: Room in monthly funding (Budget test), Proposed.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

2. A separate reading

   Room after the reserve-growth goal

   The reserve-goal test. It asks whether the expected monthly change covers the desired monthly growth. The budget can fit while this goal is missed. It is not the Hours test and it is not the 12-month status.

   Inputs, Parameters, and workbook locations

   Relationship

   Expected monthly reserve change − Desired monthly reserve growth

   What you enter

   • Desired monthly reserve growth. How much the employer hopes the reserve will grow each month. It is not an operating expense and it is not subtracted in the Budget test. It is a shared setting on Funding, not a separate Proposed amount.

   Comes from

   • Expected monthly reserve change

   Parameters

   No Parameters value changes this line.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Calculations B64: Room after reserve-growth goal, Current.
   • Calculations C64: Room after reserve-growth goal, Proposed.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.

3. Not part of this dollar result

   Planned care hours

   Care hours per week on active, named rows, turned into a month. Day, shift, and hour rows all count as the care hours entered on the row. Nothing multiplies a day by 24. This is the Hours test. It does not change monthly funding and it does not enter the reserve arithmetic.

   Inputs, Parameters, and workbook locations

   Relationship

   sum of care hours per week on active rows × (365 / 12 / 7)

   What you enter

   • Person name. The care-team name on a component row. A blank name drops the row out of the plan. The same name on several rows is one person for CPP, EI, and WorkSafeBC.
   • Team status. Scheduled or Casual keeps the row on that plan. Inactive, or a blank name, drops it. A Proposed status can include or exclude one component without changing Current. Casual may keep a rate with zero recurring units.
   • Care hours per week. Funded support hours this row represents. The Hours test uses this column. It is not the wage calculation, and a live-in day is not automatically 24 hours.

   Comes from

   This step starts from what you enter and from Parameters.

   Parameters

   • Weeks in an average month. 365/12/7. Status: Planning assumption. Effective calendar. Source: Calendar. Turns weekly care hours into a monthly figure. It is 365/12/7, not a payroll calendar. On the workbook: Parameters C17; Calculations B5.

   Where it appears

   A later workbook can move a cell. The meaning of this step stays the same.

   • Funding C4: Care hours / month, Current.
   • Funding I4: Care hours / month, Proposed.
   • Client Review D13:L13: Care hours, Current / Proposed / change.
   • Calculations B34: Care hours / month, Current.
   • Calculations C34: Care hours / month, Proposed.

   These hours are planned care hours from the care team. They are not the funded-hours input used for monthly funding.

   This relationship is verified with the planner's checks. This page does not calculate a dollar amount.