Startup Cost Estimator
Enter one-time costs, monthly burn, and runway. See total capital required before you sign a lease or take on debt.
$45,310
total to launch
$4,900/mo burn · 6mo runway
Capital required
One-time
$10,000
Monthly burn
$4,900
Runway cost
$29,400
Contingency
$5,910
Total needed
$45,310
Freedom Coach™
You need ~$45,310 to launch with a 6-month cushion.
One-time costs: $10,000. Monthly burn: $4,900. Contingency (15%): $5,910.
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Unlock PremiumMost solo/service businesses launch on $2k–$10k. Retail or inventory-based businesses typically need $20k–$50k. Restaurants and franchises can require $150k+. The right number is one-time costs + 6 months of operating runway.
One-time: LLC formation, initial equipment, launch marketing, deposits, branding. Recurring: rent, software, payroll, monthly ads, insurance. Runway = recurring × 6 months minimum.
Only if you can't self-fund a 6-month runway. SBA microloans ($5k–$50k), 0% intro business cards, and business lines of credit are common tools — avoid personal credit cards for capital.
Add 15–25% contingency on top of your projected total. Something always costs more, breaks, or takes longer than planned.
Solo services: 3–6 months. Product/retail: 6–18 months. Restaurants: 12–24 months. If projections show sooner, they're probably wrong.
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