Startup Cost Calculator
Last updated: July 2026
Estimate total startup funding needed from launch costs, inventory, deposits, working capital and contingency.
Estimated startup funding need
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- One-time launch costs before contingency: —
- Estimated contingency: —
- Working capital reserve: —
- Funding need per founder for two founders: —
On this page
Quick summary: Estimate total startup funding needed from launch costs, inventory, deposits, working capital and contingency. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate total startup funding needed from launch costs, inventory, deposits, working capital and contingency. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
The calculator totals entered launch costs, adds a contingency percentage and then includes monthly overhead for the selected runway period.
Important limitations
Startup timing, taxes, financing costs, owner compensation, seasonality, construction overruns and delayed revenue can materially change required funding.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.