Startup Cost Calculator
Total setup costs, deposits, inventory, and working capital reserves.
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What to include in startup cost planning
Startup cost is more than renovation and equipment. Deposits, licenses, opening inventory, launch marketing, and working capital should also be included. This calculator helps estimate the cash needed before a shop or restaurant opens.
It is useful for small restaurants, cafés, retail shops, studios, stalls, and early-stage founders who need a practical first budget.
Formula or logic
- Total startup cost = Setup and equipment + Deposits and rent + Opening inventory + Permits and fees + Marketing + Working capital
Example
If setup and equipment cost 300,000, deposits and first rent are 120,000, opening inventory is 60,000, permits and fees are 20,000, marketing is 30,000, and working capital is 200,000, the estimated startup funding need is 730,000.
Common questions
How much working capital should I prepare?
A common starting point is 3 to 6 months of fixed expenses, adjusted for business type, revenue stability, and risk tolerance.
Should deposits be included?
Yes. A deposit may not be an expense, but it still ties up cash and should be included in funding needs.
Is this a formal budget?
No. It is a planning estimate. Formal budgeting should use quotes, lease terms, equipment lists, and a detailed operating plan.