2025: 12-Month Startup Budget

Section Detail

SOURCES OF CAPITAL

Equity Financing Angel Investors

Family Offices/Pre-Seed
Grants TBC

Total Sources

USES OF CAPITAL

Product Development

Marketing & Sales

Operations

Human Resources

Contingency

Total Uses

Runway After 2025

Amount (USD)

$250,000
$750,000
$15,000

$1,015,000

% of Total

$80,000 29%

$120,000 44%

$20,000 7%

$40,000 15%

$13,000 5%

$273,000

$742,000
 2025
CASH RECEIPTS Jan

1. Beginning Cash Balance $8,000

2. Equity/Loan Injections $20,000
3. Customer Payments/Revenue $4,500

Total Cash Receipts $32,500

CASH DISBURSEMENTS

5. Product Development $2,000

6. Operating Expenses $1,000
7. Sales & Marketing $2,000
8. G&A (Legal, Accounting, etc.)
9. Payroll (Salaries & Benefits) $2,000
10. Loan Repayments (if any)
11. Misc. or Contingency $1,000

Total Disbursements $8,000

Net Cash Flow

Ending Cash Balance $24,500

 Feb Mar Apr May June Jul

$24,500 $21,500 $33,000 $32,000 $12,000 $277,000

$0 $0 $0 $0 $250,000 $0
$5,000 $19,500 $7,000 $10,000 $15,000 $20,000

$29,500 $41,000 $40,000 $42,000 $277,000 $297,000

$2,000 $2,000 $2,000 $9,000 $9,000 $9,000

$1,000 $1,000 $1,000 $2,000 $2,000 $2,000
$2,000 $2,000 $2,000 $14,000 $14,000 $14,000

$2,000 $2,000 $2,000 $4,000 $4,000 $4,000

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

$8,000 $8,000 $8,000 $30,000 $30,000 $30,000

$21,500 $33,000 $32,000 $12,000 $247,000 $267,000

 Aug Sep Oct Nov Dec

$247,000 $997,000 $997,000 $1,002,000 $1,012,000

$0 $750,000 $0 $0 $0
$25,000 $30,000 $35,000 $40,000 $42,000

$272,000 $1,777,000 $1,032,000 $1,042,000 $1,054,000

$9,000 $9,000 $9,000 $9,000 $9,000

$2,000 $2,000 $2,000 $2,000 $2,000
$14,000 $14,000 $14,000 $14,000 $14,000

$4,000 $4,000 $4,000 $4,000 $4,000

$1,000 $1,000 $1,000 $1,000 $2,000

$30,000 $30,000 $30,000 $30,000 $31,000

$242,000 $1,747,000 $1,002,000 $1,012,000 $1,023,000

 2026
CASH RECEIPTS Jan

1. Beginning Cash Balance $1,023,000

2. Equity/Loan Injections $0
3. Customer Payments/Revenue $45,000

Available Cash $1,068,000

CASH DISBURSEMENTS

5. Product Development $10,000

6. Operating Expenses $3,000
7. Sales & Marketing $14,000
8. G&A (Legal, Accounting, etc.)
9. Payroll (Salaries & Benefits) $5,000
10. Loan Repayments (if any)
11. Misc. or Contingency $1,000

Total Disbursements $33,000

Net Cash Flow

Ending Cash Balance $1,035,000

 Feb Mar Apr May June Jul

$1,057,000 $1,089,000 $1,127,000 $1,153,000 $1,172,000 $1,192,000

$0 $0 $0 $0 $0 $0
$50,000 $55,000 $60,000 $65,000 $70,000 $75,000

$1,107,000 $1,144,000 $1,187,000 $1,218,000 $1,242,000 $1,267,000

$10,000 $12,000 $12,000 $12,000 $12,000 $12,000

$3,000 $4,000 $4,000 $4,000 $4,000 $4,000
$14,000 $14,000 $14,000 $15,000 $15,000 $15,000

$5,000 $6,000 $6,000 $6,000 $6,000 $6,000

$1,000 $2,000 $2,000 $2,000 $2,000 $2,000

$33,000 $38,000 $38,000 $39,000 $39,000 $39,000

$1,074,000 $1,106,000 $1,149,000 $1,179,000 $1,203,000 $1,228,000

 Aug Sep Oct Nov Dec

$1,212,000 $1,237,000 $1,262,000 $1,287,000 $1,317,000

$0 $0 $0 $0 $0
$80,000 $85,000 $90,000 $95,000 $100,000

$1,292,000 $1,322,000 $1,352,000 $1,382,000 $1,417,000

$12,000 $12,000 $15,000 $15,000 $15,000

$4,000 $5,000 $5,000 $5,000 $5,000
$15,000 $15,000 $15,000 $15,000 $15,000

$6,000 $7,000 $7,000 $7,000 $8,000

$2,000 $2,000 $2,000 $2,000 $2,000

$39,000 $41,000 $44,000 $44,000 $45,000

$1,253,000 $1,281,000 $1,308,000 $1,338,000 $1,372,000

 2027
CASH RECEIPTS Jan

1. Beginning Cash Balance $1,476,000

2. Equity/Loan Injections $0
3. Customer Payments/Revenue $110,000

Total Cash Receipts $1,586,000

CASH DISBURSEMENTS

5. Product Development $15,000

6. Operating Expenses $6,000
7. Sales & Marketing $20,000
8. G&A (Legal, Accounting, etc.)
9. Payroll (Salaries & Benefits) $9,000
10. Loan Repayments (if any)
11. Misc. or Contingency $2,000

Total Disbursements $52,000

Net Cash Flow

Ending Cash Balance $1,534,000

 Feb Mar Apr May June Jul

$1,531,000 $1,586,000 $1,651,000 $1,717,000 $1,785,000 $1,855,000

$0 $0 $0 $0 $0 $0
$120,000 $130,000 $140,000 $150,000 $160,000 $170,000

$1,651,000 $1,716,000 $1,791,000 $1,867,000 $1,945,000 $2,025,000

$15,000 $15,000 $16,000 $16,000 $16,000 $18,000

$6,000 $6,000 $6,000 $7,000 $7,000 $7,000
$20,000 $20,000 $20,000 $25,000 $25,000 $25,000

$9,000 $9,000 $10,000 $10,000 $10,000 $12,000

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

$52,000 $52,000 $54,000 $60,000 $60,000 $64,000

$1,599,000 $1,664,000 $1,737,000 $1,807,000 $1,885,000 $1,961,000

 Aug Sep Oct Nov Dec

$1,927,000 $2,001,000 $2,077,000 $2,155,000 $4,695,000

$0 $0 $0 $2,500,000 $0
$180,000 $190,000 $200,000 $210,000 $220,000

$2,107,000 $2,191,000 $2,277,000 $4,865,000 $4,915,000

$18,000 $18,000 $20,000 $20,000 $20,000

$7,000 $8,000 $8,000 $8,000 $8,000
$25,000 $25,000 $25,000 $40,000 $40,000

$12,000 $12,000 $12,000 $15,000 $15,000

$2,000 $3,000 $3,000 $3,000 $3,000

$64,000 $66,000 $68,000 $86,000 $86,000

$2,043,000 $2,125,000 $2,209,000 $4,779,000 $4,829,000

 2025
Jan

Revenue $ 4,500.00

COGS (10% Rev) $ 450.00

Gross Profit $ 4,050.00

Operating Expenses $ 8,000.00

Net Operating Income $ (3,950.00)

Total Revenue $ 253,000.00

Total OpEx $ 273,000.00
Net Income $ (45,300.00)
 Feb Mar Apr May

$ 5,000.00 $ 19,500.00 $ 7,000.00 $ 10,000.00

$ 500.00 $ 1,950.00 $ 700.00 $ 1,000.00

$ 4,500.00 $ 17,550.00 $ 6,300.00 $ 9,000.00

$ 8,000.00 $ 8,000.00 $ 8,000.00 $ 30,000.00

$ (3,500.00) $ 9,550.00 $ (1,700.00) $ (21,000.00)

 June Jul Aug Sep

$ 15,000.00 $ 20,000.00 $ 25,000.00 $ 30,000.00

$ 1,500.00 $ 2,000.00 $ 2,500.00 $ 3,000.00

$ 13,500.00 $ 18,000.00 $ 22,500.00 $ 27,000.00

$ 30,000.00 $ 30,000.00 $ 30,000.00 $ 30,000.00

$ (16,500.00) $ (12,000.00) $ (7,500.00) $ (3,000.00)

 Oct Nov Dec

$ 35,000.00 $ 40,000.00 $ 42,000.00

$ 3,500.00 $ 4,000.00 $ 4,200.00

$ 31,500.00 $ 36,000.00 $ 37,800.00

$ 30,000.00 $ 30,000.00 $ 31,000.00

$ 1,500.00 $ 6,000.00 $ 6,800.00

 2026
Jan

Revenue $ 45,000.00

COGS (10% Rev) $ 4,500.00

Gross Profit $ 40,500.00

Operating Expenses $ 33,000.00

Net Operating Income $ 7,500.00

Total Revenue $ 870,000.00

Total OpEx $ 472,000.00
Net Income $ 311,000.00
 Feb Mar Apr May

$ 50,000.00 $ 55,000.00 $ 60,000.00 $ 65,000.00

$ 5,000.00 $ 5,500.00 $ 6,000.00 $ 6,500.00

$ 45,000.00 $ 49,500.00 $ 54,000.00 $ 58,500.00

$ 33,000.00 $ 38,000.00 $ 38,000.00 $ 39,000.00

$ 12,000.00 $ 11,500.00 $ 16,000.00 $ 19,500.00

 June Jul Aug Sep

$ 70,000.00 $ 75,000.00 $ 80,000.00 $ 85,000.00

$ 7,000.00 $ 7,500.00 $ 8,000.00 $ 8,500.00

$ 63,000.00 $ 67,500.00 $ 72,000.00 $ 76,500.00

$ 39,000.00 $ 39,000.00 $ 39,000.00 $ 41,000.00

$ 24,000.00 $ 28,500.00 $ 33,000.00 $ 35,500.00

 Oct Nov Dec

$ 90,000.00 $ 95,000.00 $ 100,000.00

$ 9,000.00 $ 9,500.00 $ 10,000.00

$ 81,000.00 $ 85,500.00 $ 90,000.00

$ 44,000.00 $ 44,000.00 $ 45,000.00

$ 37,000.00 $ 41,500.00 $ 45,000.00

 2027
Jan

Revenue $ 110,000.00

COGS (10% Rev) $ 11,000.00

Gross Profit $ 99,000.00

Operating Expenses $ 52,000.00

Net Operating Income $ 47,000.00

Total Revenue $ 1,980,000.00

Total OpEx $ 764,000.00
Net Income $ 1,018,000.00
 Feb Mar Apr May

$ 120,000.00 $ 130,000.00 $ 140,000.00 $ 150,000.00

$ 12,000.00 $ 13,000.00 $ 14,000.00 $ 15,000.00

$ 108,000.00 $ 117,000.00 $ 126,000.00 $ 135,000.00

$ 52,000.00 $ 52,000.00 $ 54,000.00 $ 60,000.00

$ 56,000.00 $ 65,000.00 $ 72,000.00 $ 75,000.00

 June Jul Aug Sep

$ 160,000.00 $ 170,000.00 $ 180,000.00 $ 190,000.00

$ 16,000.00 $ 17,000.00 $ 18,000.00 $ 19,000.00

$ 144,000.00 $ 153,000.00 $ 162,000.00 $ 171,000.00

$ 60,000.00 $ 64,000.00 $ 64,000.00 $ 66,000.00

$ 84,000.00 $ 89,000.00 $ 98,000.00 $ 105,000.00

 Oct Nov Dec

$ 200,000.00 $ 210,000.00 $ 220,000.00

$ 20,000.00 $ 21,000.00 $ 22,000.00

$ 180,000.00 $ 189,000.00 $ 198,000.00

$ 68,000.00 $ 86,000.00 $ 86,000.00

$ 112,000.00 $ 103,000.00 $ 112,000.00