Startup costs & capital calculator
How much capital do you need to start? Plan one-off costs, ongoing expenses and your reserve.
Example, method and limits
Example: €5,000 start-up payments + 3 × (€1,000 business + €1,500 living expenses) = €12,500 required. After €2,500 own funds, the gap is €10,000. Excess own funds are shown separately, not as a negative funding requirement.
Plan actual payments, including VAT you must finance upfront. Count purchases once as start-up payments, not again as depreciation in the same reserve. Include loan instalments and interest only for the relevant period, not the borrowed amount again as an expense. Revenue, later tax refunds and payment dates are not offset: use a month-by-month cash-flow plan for these.
Sources · checked 28 September 2026
Discuss your figures and next steps →Continue your financial planning
Put the estimated capital requirement in the context of your whole plan. These two resources help you identify figures and sections you may still need.
FAQ
What does the reserve cover?
The fixed business costs and personal living expenses you enter for the selected number of months. Revenue and variable costs are not automatically taken into account.
What if my own funds are sufficient?
If your own funds equal or exceed the total startup requirement, the additional capital needed is €0.
Are my inputs stored?
No. The calculation runs in your browser. Inputs are neither stored nor transmitted and are reset when the page reloads.