---
title: What are Banked Hours?
description: Banked Hours
---
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# What are Banked Hours?
## When reviewing service authorizations, we can see "Banked Hours." These numbers estimate how many hours are left for a client to work.
Jump To:
[Overview](https://knowledge.billiyo.com/knowledge/what-are-banked-hours#Overview)
[How To Use Banked Horus](https://knowledge.billiyo.com/knowledge/what-are-banked-hours#Howtouse)
[How Banked Hours are Calculated](https://knowledge.billiyo.com/knowledge/what-are-banked-hours#calculations)
### **Overview**
When[reviewing service authorizations](https://knowledge.billiyo.com/knowledge/add-view-sa?hsLang=en), we can see a column titled "Banked Hours."
These Banked hours are an estimation that shows, based on the number of hours that have already been worked and the total number of hours that were granted by the service auth, how many hours will be left at the end of a agreement if we continue to work the time that was projected.
- Projected Hours are the maximum number of hours that can be scheduled each shift before we exceed the units granted by the service auth.
- Projected Hours = Number of hours / Number of visits in a Service Auth
- The number of visits is determined by the frequency listed in the service auth.
- Daily - One visit every day during a service auth
- Weekly - One visit every week during a service auth
- Monthly - One Visit Per Month
- Projected hours are shown in the "Per Day" column.
### **How to Use Banked Hours**
When reviewing banked hours, the most important thing to look for, is if the number is positive or negative.
- If the banked hours is positive, then Billiyo expects that you will have some hours left over by the time the service agreement ends.
- This will happen if your employee works less then their projected hours
- If the banked hours is negative, then Billiyo expects that your employee will run out of units before the service agreement ends
- This will happen if your employee works more than their projected hours
- If the banked hours is zero, the your employee will work the exact number of hours granted by the service authorization by the time the agreement ends.
- This will happen if your employee works their projected hours .
If you see that the banked hours are negative, you may need to reduce the hours your employee is scheduled, so you don 't run our of units.
### **How Banked Hours are Calculated**
**Banked Hours = ( Per Day - Hours Worked Per Day ) X Days since agreement start**
- Per Day = This is how many hours can be scheduled each day
- Total Service Auth Hours / Number of visits is Service Authorization
- This is the same as the "Projected Hours" described above.
- Hours Worked Per Day = How many hours have been worked each day
- Total Worked hours / Total Number of Actual Worked Days
- Days since agreement start = How many days have passed between the start of the agreement and the last visit that was worked.
- If you have not worked any visits, then this number is set to "1"
**For example:**
A caregiver may be scheduled to work 3.5 hours, every day, for the duration of a Service Auth and this will use up all of their units. If the caregiver has been working 3.5 hours every day, then their banked hours will be zero. This is because, at the rate they are working, they will have used their last hour on the last day of the agreement.
However, if the employee only work 3 hours one day, then the banked hour value will change to 0.5. This means that, if the caregiver keeps working at the rate they are scheduled to work, 3.5 hours, then they will have half an hour left over at the end of the agreement. If this caregiver decided to work four hours one day (0.5 longer then what was scheduled). then they will be using up their left over time and their banked hours will return to 0.
**Example with Math:**
Let's say a service authorization lasts for **30 days**, contains **105 hours** and has a **daily frequency**. Then, Billiyo will estimate that you can work 3.5 hours every day. The estimated daily usage (projected hours)is shown in the "Per Day" column.
Let's say we are on day 22 of the agreement and your has employee works 3.5 hours every day . In that case, their hours worked per day would be: 3.5
At this moment, the employee has been working their Projected Hours, so their banked hours are zero. If the employee keeps working 3.5 hours every day, then they will have zero hours left at the end of the agreement.
The calculation for this is:
What if an employee works less than their projected hours?
For the example above, lets say that an employee does not work on on of their shifts. If that were to happen, then, the "Total Worked Hours" number will change, so the Worked Per Day amount will change and the final Banked Hours value will be affected.
This would change the banked hours to:
This means, if your employee keeps working at 3.5 hour, then by the end of the agreement they will have 3.5 hours left over. In other words, because the employee forgot work a day, the 3.5 hours they will scheduled will be left over when the agreement ends.
What if an employee works more than their projected hours?
For the example above, lets say the employ worked every day, but on one day they worked 7 hours instead of 3.5. In that case, their Worked Per Day amount will change.
Because the "Per Day" amount has changed, the Banked Hours is now calculated by:
The Banked hours is now -3.5 hours. Because the employee worked to 3.5 hours longer then their Projected Hours, Billiyo estimates that they will run out of units 3.5 (one shift) before the agreement ends.
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