Liquidity
Current ratio
Quick ratio
Cash ratio

Accounts Receivable
Collection period

Inventory
Inventory turnover
Days of sales in inventory

Profitability
Gross margin
Return on sales
Return on assets
Return on equity

Financial Strength
Debts to assets
Debt to equity
Interest coverage ratio

Other Calculators
Comparing loan options

Determining how much it would cost to start a business can be complex. Generally, it comes down to making estimates for these three items.

• One time start up costs
• Monthly costs during the start up phase
• The timing and profitability of revenues during the start up phase.

Once you make these estimates, you can calculate the funds you will need by month during the critical start up phase of a business. Here are a series of calculators that can help.

Business Start Up Costs Calculator - Part One - One Time Costs
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Total
Furniture & fixtures
Computers & technology
Office supplies
Utility deposits
Professional fees
Operating cash
Initial inventory
Other known costs
Cushion for the unknown
Total One Time Start Up Costs
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Grand Total

 Business Start Up Costs Calculator - Part Two - Monthly Costs During Start Up Monthly costs Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Total Owner salary Other salaries Payroll tax Rent Equipment leases Marketing Supplies Utilities Insurance Postage & shipping Interest Professional fees Other known expenses Cushion for the unknown Total Monthly Costs During Start Up Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Grand Total

Business Start Up Costs Calculator - Part Three - Monthly Revenue During Start Up

Month 1
Month 2
Month 3
Month 4
Month 5
Month 6

Revenue
Gross margin % % % % % %
Gross Profit from Sales During Start Up
Gross profit from sales

Business Start Up Costs Calculator - Part Four - Summary

Month 1
Month 2
Month 3
Month 4
Month 5
Month 6

One time costs
Monthly costs
Monthly net revenue
Funds needed by month
Cumulative funds needed

Working with anticipated business start up costs

Knowing when you will need funds during the early stages of a business can help you create a financing plan that is more efficient and demonstrate that you understanding of the financial dynamics of your business. You may want to create a tracking worksheet to compare what you anticipated with what your actual needs are.