My plan

Startup Cost Calculator

Add up one-time costs, a contingency buffer and an operating reserve to see how much cash you need to open.

Rent, payroll, insurance, software…
A buffer for overruns. Change it to whatever you're comfortable with.
See all my numbers

How it's calculated

  • Total = one-time costs + contingency % of one-time costs + (monthly expenses × reserve months).
  • The 3-month reserve and 10% contingency are editable starting points, not industry standards.
  • It does not include revenue — pair it with the cash flow projection.
Estimates only. Results depend on the numbers you enter and are not financial, tax or legal advice.