Start-up cost worksheet

List what you need, add working money and a margin, and see how much you must find and what a loan would cost each month.

The amounts above are examples. Type your own: this site does not know what your business costs.

How to fill it

List each one-time item with the price you were quoted, not a guess.
Choose a margin, higher when you are less sure.
Type your fixed monthly costs and how many months of them to keep as working money.
If you will borrow, type the rate the lender gave you and the years.

Read the start-up costs checklist and working money.

Common questions

Is the interest rate on this page a real rate?

No. It is an example. Ask the lender for the rate and fees, and type them.

Does the worksheet check what I can afford?

No. Compare the instalment with your monthly profit on the profit worksheet.

Keep going

This site states no profit figure, start-up cost, licence requirement or loan scheme: you type your own numbers, and the idea pages list questions to ask and things to measure. Interest rates in the worksheets are typed by you. It is not financial, tax or legal advice. Checked 14 November 2026.