Know what it really costs to start — before you run out of money.

The direct answer

Your real startup cost equals one-time setup costs plus enough working capital to survive until the business pays for itself. Most owners forget the second part.

One-time setup costs

List equipment, tools, vehicle, licenses, insurance, website, branding, and initial inventory. Be honest, not optimistic.

Ongoing monthly costs

Rent, software, phone, fuel, insurance, marketing, and your own pay. Multiply by how many months you expect before steady revenue.

Working capital

Working capital is the money you need to keep going before the business is self-sustaining. Underestimating it is the most common reason new businesses fail.

Use the calculator

The Startup Cost Calculator adds up setup and monthly costs so you see the real number, not a guess.

Price accordingly

Once you know your costs, the Pricing Calculator helps you set rates that recover them.

This is education, not financial advice

For accounting or financial planning, consult a qualified professional.