The short answer
Add your one-time opening costs and your monthly costs, choose how many months of expenses to cover before revenue is steady, and the calculator totals what you need to open. Use your own quotes, not averages.
Use the tool
How it works
Formula: total = one-time costs + (monthly costs × months to cover).
- One-time costs are paid once to open.
- Monthly costs repeat: rent, insurance, software, phone, fuel, supplies, website care.
- Months to cover is your own cushion until revenue is steady. Choose it yourself.
Common questions
Where do I get the numbers?
From written quotes, official fee pages and your own research. We do not supply averages.
Sources
Sources checked October 6, 2026. Rules, fees and forms change; confirm details with the agency or provider before you act. This guide is general information, not legal, tax or insurance advice.
Get your website-ready checklist, then see starter options
Fill in the free website-ready checklist while you set up. When you are ready, starter websites begin at $399 with your domain included. Start with the free checklist.
See starter website options