What this startup cost calculator includes
The calculator separates one-time setup, recurring monthly costs, working capital, runway, and contingency. That makes the assumptions inspectable and prevents a cheap launch budget from hiding the cash needed to survive a slower sales ramp.
Use three scenarios, not one answer
Run a lean validation case, an expected launch, and a delayed-sales case. Begin with the smallest version that can produce trustworthy demand evidence. Read the complete startup-cost guide, compare service business ideas, or see how to start with no money.
Frequently asked questions
How do I calculate startup costs?
Add one-time setup costs, the monthly operating burn for the months before break-even, the cash tied up in inventory or receivables, and a contingency reserve. This calculator keeps each bucket visible.
How many months of runway should I include?
Use the number of months in a realistic delayed-sales case, not only the best case. Six months is the starting example, but a lease, hiring plan, or slow collection cycle may justify more.
What counts as working capital?
Working capital is cash temporarily tied up before the business collects from customers, such as inventory purchases, supplier deposits, or the gap between payroll and invoice payment.
Should I include my own salary?
Include the personal cash you need to remain able to work on the business. You can place it in monthly costs or maintain a separate personal runway, but do not pretend it is zero.
Is the startup cost calculator free?
Yes. It is free, runs in your browser, and requires no signup.
Are these results financial advice?
No. The output is a planning estimate based on your inputs. Obtain local quotes and professional guidance for tax, licensing, insurance, legal, and financing decisions.