Budget example
A typical cost split for a medical treatment dream in Munich, shown in EUR. Backers pay you directly using your accepted payment methods.
Example goal
€27,000
- Provider and treatment fees€16,200 · 60%
- Prescribed medicines and supplies€4,050 · 15%
- Care travel and accommodation€4,050 · 15%
- Follow-up and practical support€2,700 · 10%
What you receive
- Backers give
- €27,000
- 0% platform commission
- −€4,050
- You receive
- €22,950
- 01
Price from quotes, not hopes
Get at least two quotes for every large cost and note what is included. Backers rarely mind a high goal; they mind a goal that looks invented.
- 02
Plan for what you receive
cohero takes 0% commission on backings, so you receive what Backers send directly through your payment methods. Set the goal so that amount covers your real costs.
- 03
Add a small buffer
Prices move. A buffer of five to ten percent in your last milestone covers surprises without making the goal look padded. Say so openly in your story.
Example milestone plan
An example plan for a medical treatment dream with a goal of €27,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
€2,700 · 10%
Document the care budget
Post a provider estimate and receipts for initial appointments, with names, contact details and clinical information hidden.
Milestone 2
€12,150 · 45%
Cover the main treatment
Share redacted provider invoices and payment receipts for the main treatment stage, showing the funded expense categories.
Milestone 3
€8,100 · 30%
Fund continuing care
Upload receipts for planned follow-up care, related supplies and necessary travel, with personal and medical details hidden.
Milestone 4
€4,050 · 15%
Reconcile remaining expenses
Post a redacted final expense summary and receipts for the remaining follow-up visits, supplies or treatment-related journeys.
Risks to plan for
- R1
Care plans can change
The provider’s plan may change after an appointment, altering costs or timing. Use expense-based milestones and explain how revised estimates will be shared without revealing clinical details.
- R2
Invoices arrive unevenly
Large treatment bills may fall due before milestone proof can be reviewed. Map invoice dates before publishing and explain how payments will be covered while Backers review submitted proof before sending direct gifts for the next milestone.
- R3
Travel adds hidden costs
Repeated appointments can add journeys, overnight stays or support costs. Include these in the initial estimate and keep receipts grouped by the treatment stage they relate to.
How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to review the proof, ask for more info, and decide whether to keep supporting your next milestone.
0% commission — direct gifts, nothing taken
Backers pay exactly what they choose directly through your payment methods. cohero takes 0% commission on backings, so you keep what is sent. Any refunds or disputes are handled directly between you, the Backer and your payment provider.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
Questions and answers
Do I have to publish my diagnosis to explain the goal?
You can explain the expenses and stages without publishing a diagnosis or full medical history. Use provider estimates and receipts with personal details hidden, keeping only the information needed to understand the funded costs.
What if my treatment plan changes after people back it?
Post an update explaining the changed expenses and timing without sharing private clinical records. Provide a revised estimate for the affected milestone so Backers can assess its proof against the current spending plan.
Does cohero take a commission on backings?
No. cohero charges 0% commission on backings. Backers pay you directly to your chosen payment method, so towards your goal of €27,000, you receive the full amount confirmed by you without platform deductions.
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