Startup funding calculator
What opening payments and cash reserve does your plan need?
Capital to arrange
Complete the inputs to see the result.
Read the result within its limits
The reserve covers only the months you enter. There is no assumed terminal recovery, lending or extra buffer. Opening payments must exclude this separately calculated reserve.
This is a project funding requirement before financing and owner withdrawals. Include or exclude income tax consistently and state that choice. The loaded example excludes income tax and assumes no change in working capital; those are explicit simplifications.
Read the startup budget checklist →See the whole financial chain.
Use the restaurant worked example to connect opening capital, revenue, costs and cash. All its financial values are synthetic.
Financial information disclaimer
Published research and calculations support business planning and education. They are not personalized financial, investment, tax or legal advice, and they do not guarantee costs, revenue, profit or financing. Estimates depend on the stated format, location, source periods and assumptions. Check the requirements and commitments that apply to your circumstances.