Free Start Up Hub planning tool

Startup funding gap calculator

Your funding gap is the difference between the costs of starting your business and the money you already have available. This calculator helps you compare estimated startup costs with your personal capital and grants before discussing how any remaining requirement might be funded.

How this tool helps you plan

1. Estimate the total costs you need to cover to launch the business.
2. Enter the personal capital and grants available to contribute towards those costs.
3. Review the remaining gap as a starting point for a funding conversation, alongside your cashflow and repayment plans.

A calculated gap is not an approved loan amount. Grants should only be included when their availability and conditions are understood. Lenders assess affordability, business circumstances and their own criteria; funding is not guaranteed.