Business startup cost calculator

Add one-time setup costs to an operating reserve and see the remaining funding gap.

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One-time setup costs

Monthly operating costs

More inputs and assumptions

Months of reserve

Cash already available

Answer

…

Add one-time setup costs to an operating reserve and see the remaining funding gap.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Step-by-step calculation

Inputs are substituted below. Each line evaluates the next operation; intermediate values are displayed to 12 significant digits while the calculation uses full precision.

Saved scenario

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Formula and assumptions

Assumes no operating revenue during the reserve period. Enter your own costs and reserve length; no industry benchmark or funding eligibility is implied.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

Scratch calculator

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Updated 2026-09-26

Using Business startup cost calculator

Add one-time setup costs to an operating reserve and see the remaining funding gap.

Assumes no operating revenue during the reserve period. Enter your own costs and reserve length; no industry benchmark or funding eligibility is implied.

Next: Break even calculator

A worked example

Example inputs: one-time setup costs = 5000, monthly operating costs = 2000, months of reserve = 3, cash already available = 4000. Cash needed at launch = 7000.

Before you use the result

Assumes no operating revenue during the reserve period. Enter your own costs and reserve length; no industry benchmark or funding eligibility is implied.

Example results for one-time setup costs

These examples use Monthly operating costs: 2000; Months of reserve: 3; Cash already available: 4000. They are reference calculations, not recommended settings.

One-time setup costs	Cash needed at launch
2500	4,500.00
5000	7,000.00
10000	12,000.00

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