Free tool · Start-up Cost Check

How much does it really take to open?

Shop rent, fit-out, equipment, stock and the months before sales pick up. Add your numbers to see the total capital you need, the sales you need to break even, and how long until the business pays you back.

Your numbers

Example figures. Change them to yours
Your money
₦
Getting the doors open
₦
%
₦
₦
₦
₦
₦
Running the business (monthly)
₦
₦
₦
₦
%

Gross margin is what you keep from each sale after paying for the goods. A shop selling at ₦1,000 what it bought for ₦750 has a 25% margin.

Your result

How to use this

  • Keep a reserve. Most new businesses take months to reach steady sales. The reserve keeps staff paid while you get there.
  • Opening stock is cash on a shelf. Start lean and restock from what sells.
  • Break-even sales include a monthly share of the rent you paid upfront, because that money has to come back too.

General information, not financial advice. Your numbers stay on your device and are never sent or stored.

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