What are my new business startup costs?

Before you launch a new venture, you should take the time to estimate the total capital that will be needed. Startup costs are divided into two main categories: one-time startup costs and recurring monthly expenses. Depending on when you expect to receive payments for your goods and services, it may be wise to begin with several months of working capital. Use this calculator to help discover and estimate your total business startup costs. Be sure to only include those items that are essential to start the business.
Number of months to fund monthly expenses 
Monthly Costs
Owner(s) salaries ($) 
Employee salaries and commissions ($) 
Rent/Lease payments ($) 
Advertising/Web Site hosting ($) 
Postage and shipping costs ($) 
Supplies ($) 
Telephone ($) 
Public utilities ($) 
Business/Health insurance ($) 
Taxes (including payroll) ($) 
Interest payments ($) 
Maintenance ($) 
Legal/Accounting fees ($) 
Miscellaneous ($) 
One-Time Fixed Costs
Office Furniture/Fixtures/Equipment ($) 
Building Improvements/Remodeling ($) 
Lease/Rent deposit ($) 
Starting inventory ($) 
Public utility deposits ($) 
Legal/Professional fees ($) 
Licenses/Permits/Franchise Fees ($) 
Advertising/Web Site/Promotion ($) 
Cash on Hand/Operating Capital ($) 
One-Time Miscellaneous ($) 
The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Any rate of return entered into the interactive calculator to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk.

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