Calculator · Business Planning
Startup cost calculator
Add your one-off setup costs and monthly running costs to estimate the total capital you need to launch your UK business.
Tax year 2026/27
Calculator answer
Enter your figures to estimate the result for the 2026/27 tax year. The output is a planning estimate only and should be checked against HMRC guidance before filing or paying tax.
One-off setup costs
Costs you pay once to get the business started.
Monthly running costs
Costs you pay every month to keep the business running (before your own salary).
Total capital required
£3,490
- One-off setup costs
- £2,800
- Monthly running costs × 3 month buffer
- £690
- Monthly running costs (ongoing)
- £230 / month
How this calculator works
This calculator estimates two things: your one-off setup costs (the money you spend before you open) and your monthly running costs (the money you need to keep the business operating). Together, they determine how much capital you need to launch.
The cash buffer is the most important figure many founders forget. Even if your business is profitable from day one, customers take time to pay. A 3-month buffer means you can cover your costs while you wait for revenue to materialise. Choose a buffer that reflects your sales cycle, payment terms, personal drawings and downside scenario rather than relying on a universal number of months.
The total figure is a useful starting point for a Start Up Loan application (maximum £25,000 per person) or a conversation with a bank. Always cross-reference with a full 12-month cashflow forecast.