What belongs in a startup budget? →
Separate opening payments, operating reserve and undrawn contingency. Find what still needs a quote.
Understand the planning case
Planning guides
Build the budget, then test the operating plan. These guides connect directly to the three planning cases.
Why profit is not cash →
Keep the operating result, cash timing and potential owner withdrawals separate.
Put the method to work
Test Restaurant in Austin → or compare all three cases →. The calculators use disclosed assumptions; editing them does not verify a premises or customer demand.
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.