Startup cost calculator
The sticker price of equipment is only half the story. Add your one-time costs, your monthly costs, and a realistic runway to see how much cash you truly need before day one.
How to read this
The number that matters is total cash to start — your one-time costs plus a cushion of several months' running costs. That cushion (your runway) is what keeps the business alive while it ramps up to profitability. Most honest failures are not about a bad idea; they are about running out of cash before revenue catches up.
Want realistic cost ranges for a specific business instead of guessing? Every business breakdown on the site includes itemized startup costs and monthly operating costs you can plug straight into this calculator.
Frequently asked questions
How much money do I really need to start a business?
Enough to cover your one-time startup costs PLUS several months of operating costs before the business supports itself. Most new businesses take months to become profitable, so a cash cushion (runway) of 3–6 months of expenses is a realistic safety margin. This calculator adds both together so you see the true number, not just the sticker price of equipment.
What is a startup runway and why does it matter?
Runway is how long your cash lasts while the business ramps up. If your monthly costs are $2,000 and you have $12,000 set aside, you have roughly six months of runway. Underestimating runway is one of the most common reasons new businesses fail — they run out of cash before revenue catches up.
Should I include my own salary in the costs?
If you are relying on the business for income, yes — include a realistic monthly draw so the plan reflects what you actually need to live on. If you have other income and can reinvest everything at first, you can lower or zero it out to see the leaner number.
Are these numbers exact?
No — they are honest estimates based on what you enter. Real costs vary by location, business type, and choices you make. Use this to plan and stress-test your budget, then confirm the specifics before you commit money. Nothing here is financial advice.
This calculator provides honest estimates to help you plan, not financial advice or a guarantee. See our disclaimer.