Free download. No sign-up, no email.
Download Excel (.xlsx)6 KBWho this template is for
- First-time founders budgeting a launch
- Loan applicants building a use-of-funds table
- Anyone comparing business ideas
How to fill it in
- List every one-time cost, from deposits to signage.
- List monthly operating costs.
- Choose how many months of reserve to hold.
- Enter what you can invest yourself.
- Read the funding gap at the bottom.
What is inside
- Sheet: Startup Costs
- One-time startup costs
- Lease deposit and first month
- Build-out and renovation
- Equipment
- Furniture and fixtures
- Computers and software
- Opening inventory and supplies
- Licenses, permits and legal
- Insurance (first payment)
- Website and branding
- Grand opening marketing
- Total one-time costs
- Monthly operating costs
- Rent
- Payroll (incl. taxes)
- Utilities
- Marketing
- Insurance
- Software and phone
- Loan payments
- Supplies
- Total monthly costs
- Funding needed
- Months of operating reserve
- Operating reserve
Writing a full business plan?
Browse 39 free sample plans by industry, each with startup costs and projections.
Frequently asked questions
How much cash reserve should a new business have?
A common rule of thumb is three to six months of operating expenses, more for businesses with long ramp-up periods.
What startup costs are tax deductible?
Many startup costs can be deducted or amortized under IRS rules. Ask a tax professional about your situation.
Is this startup costs calculator free to use?
Yes. Download it, edit it and use it for your own business at no cost. No account or email address is required.