Startup Cost Calculator
Estimate how much capital you need to launch your business, including one-time costs and monthly operating expenses.
One-Time Costs
Monthly Costs
Recommended Capital
$78,300
Total funding you should secure before launching
Total One-Time Costs
$22,500
Total Monthly Costs
$9,300
Cost Breakdown
Cost Breakdown
Frequently Asked Questions
How much startup capital do I really need?
Most small businesses need enough capital to cover all one-time costs plus 6-12 months of operating expenses. This buffer ensures you can survive the early months when revenue may be low or unpredictable. Our calculator recommends 6 months by default, but adjust based on your industry and growth projections.
What are common one-time startup costs?
Common one-time costs include equipment purchases, legal and incorporation fees, website and branding development, initial inventory, permits and licenses, lease deposits, and professional services like accounting setup. These are costs you pay once to get started.
What are typical monthly operating costs?
Monthly costs include rent, employee salaries and benefits, utilities, marketing and advertising, software subscriptions, insurance, professional services (legal, accounting), supplies, and loan payments. Make sure to account for both fixed costs (same every month) and variable costs (scale with sales volume).
This calculator is for educational and estimation purposes only. It does not constitute business, legal, or financial advice.