Calculator
Business Startup Cost Calculator
List what you actually need, mark what is required, optional or already owned, and get a structured estimate with working capital and contingency separated out.
What you enter here becomes part of your startup plan, saved in this browser.
1. About the business
Optional context. It does not change any arithmetic — it labels your estimate and filters the checklist you can generate later.
Decides which setup and compliance items are flagged for local checking. Shared across all tools.
Display only — no amount is converted and no exchange rates are applied.
2. Your cost lines
Enter amounts from real quotes or your own research. This tool contains no built-in price data, so nothing appears here unless you enter it.
3. Working capital and contingency
Cash to cover required monthly costs before revenue can carry them.
Buffer applied to required one-time costs plus working capital.
Methodology
This is an estimate built from figures you entered. It is not a quote, a guaranteed cost or a financial projection.
What is included
- One-time set-up items you marked as required
- Working capital equal to your required monthly running costs multiplied by your chosen runway
- A contingency percentage that you choose
What is excluded
- Optional items (shown separately, never added to the headline figure)
- Items marked as already owned or not applicable
- Taxes, duties, interest and financing costs
- Personal living expenses
- Currency conversion — everything stays in your chosen display currency
Assumptions
- Every amount comes from your own input. This tool ships no market price data.
- The low and high figures apply a fixed ±band to your typical figure to reflect estimating uncertainty (low = 85%, high = 130%).
- Monthly costs are assumed flat across the runway period.