Plan your startup cash budget
Make the cash you need before and during launch visible. This worksheet separates one-time spending from a reserve for recurring fixed costs. It does not forecast sales or tell you how much to borrow.
Interactive planning tool
Startup cash budget planner
Add one-time startup costs to a reserve for monthly fixed cash costs, then add a contingency allowance. Expected sales do not reduce this reserve.
Defaults are hypothetical examples, not recommended budgets, platform fees, or industry benchmarks. Replace them with your own estimates. All money amounts are in USD.
Illustrative cash requirement
Enable JavaScript to calculateThis reserve is a cash planning allowance, not a forecast of runway, profitability, or funding eligibility. Variable operating costs and costs you omit are not covered. This educational worksheet is not investment or tax advice. Nothing you enter is submitted or saved by this calculator. Calculations run only in this browser.
Check the costs behind your estimate
Use supplier quotes and your own payment schedule. Deposits, inventory and timing can affect cash differently from accounting expenses. Review the assumptions with a qualified adviser when needed.
Source: U.S. Small Business Administration: planning and startup costs.