Free capital planning tool
Business Funding Requirement Calculator
Estimate the total capital a business needs to cover launch costs, survive the operating cash trough and reach sustainable operation with a reserve intact.
Simple funding requirement
Monthly cash-flow modelHow much capital is needed before the business sustains itself?
Starting capital position
Revenue ramp
Monthly cash costs
Funding methodThe calculator tracks cumulative monthly operating cash flow and finds the lowest cash point. It then checks how much capital would be needed to arrive at the sustainable month with the selected reserve still intact. Total capital required equals startup costs plus the larger of those two operating-capital requirements — avoiding the common mistake of simply adding the cash trough and reserve together when that would double-count part of the need.
Advanced funding requirement
Up to 60 monthsBuild the capital requirement from the ground up
One-time startup uses
Revenue assumptions
Monthly operating costs
Forecast controls
Sustainability testA month is treated as sustainable only when operating cash flow is non-negative in that month and remains non-negative through the rest of the forecast. Capital required is based on both the deepest cumulative operating deficit and the cash needed to reach the sustainable month while still holding the target reserve. If sustainability is not reached within the forecast, the tool reports the minimum capital needed through the horizon instead.
Funding bridge
Avoids reserve double-countingWhere the capital requirement comes from
| Funding component | Amount | How it is used |
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Monthly cash-flow forecast
Operating cash flow excludes startup costsPath to sustainable operation
| Month | Revenue | Gross profit | Operating costs | Net operating cash flow | Cumulative operating cash | Status |
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Revenue-growth sensitivity
Other assumptions unchangedFunding need as monthly revenue growth changes
| Monthly growth | Sustainable month | Peak deficit | Total capital needed | External funding |
|---|
Gross-margin sensitivity
Revenue path unchangedFunding need at different gross margins
| Gross margin | Sustainable month | Peak deficit | Total capital needed | External funding |
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Operating-cost sensitivity
All operating-cost categories scaled togetherFunding need as monthly operating cost changes
| Operating-cost scale | Starting monthly cost | Sustainable month | Total capital needed | External funding |
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Scope
A funding model is only as reliable as the cash assumptions
This calculator is a planning model, not a financing commitment. Actual capital needs can be higher when revenue arrives later than forecast, customers pay slowly, inventory must be purchased before sales, taxes or debt payments are omitted, costs rise faster than expected, or additional working capital is required. Build scenarios around conservative assumptions before setting a financing target.