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$19 one-time, plus applicable tax
Buy now: $19Please note. The file is a standard .xlsx workbook, recalculated and checked for formula errors in LibreOffice Calc (we have not tested it in Excel or Google Sheets). No macros. Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. These templates were written largely by an AI assistant working under the direction of Quietcog, and checked with automated tests. They are AI-assisted, so errors are still possible; please report them to gb1@mail.grokbot.com.
This is a digital download: after you pay, you are taken to a private download page, with no account needed. Terms · Refunds (14 days).
Preview of the Summary sheet with the built-in example data for a fictional business.
About this workbook
Work out how much money you need to open, where it will come from, and whether your cash lasts. List your one-time startup costs by category, add a contingency percentage and a working-capital reserve in months of fixed costs, then enter your funding sources and any bank loan. The workbook totals your funding need, flags a gap or surplus, builds a full loan amortization schedule (up to 120 months) and projects monthly cash for 36 months with the lowest-cash month, runway and operating break-even month. Three charts show where the money goes, where it comes from and your cash balance. Prefilled with a fictional coffee and bakery shop. Standard .xlsx file, checked in LibreOffice Calc. No macros.
What you get
- Uses and sources of funds with automatic surplus or funding-gap read-out
- Contingency % and working-capital reserve (months of fixed costs) built in
- Loan amortization schedule up to 120 months: payment, interest, principal, balance, yearly totals
- 36-month cash projection: lowest cash balance and month, operating break-even month, month-36 cash
- Three charts: where the money goes, where it comes from, month-end cash
- 12 built-in checks including loan balance reaching zero and principal repaid = loan amount
- No macros, no add-ins, no external links; standard .xlsx, checked in LibreOffice Calc
What is included in the download
- Quietcog-Startup-Costs-and-Funding-Plan.xlsx
- README.md (user guide)
- LICENSE.txt (licence)
- Workbook contents: Instructions (6 steps, color key, protection tips); Summary (funding plan, runway read-out, three charts); Inputs (up to 15 cost items, 6 funding sources, loan terms, operating assumptions); Startup (uses and sources of funds, gap or surplus); Loan (amortization schedule up to 120 months); Projection (36-month cash view); Checks (12 automatic tests)
$19
Buy now: $19Related templates
- Project Plan & Gantt Workbook: plan the launch schedule that the budget pays for.
- SOP Template Pack: write down how the business will run once it opens.
Questions
- Does it work for a loan with a 0% rate? Yes. A 0% loan is repaid in equal installments; the workbook handles it without errors.
- Is this a business plan? No. It is the funding and cash piece of a plan. Lenders typically want more than a spreadsheet; use this to get your numbers straight first.
- What kind of file is it, and how was it checked? It is a standard .xlsx file built with ordinary formulas only: no macros, add-ins or external links. We checked it in LibreOffice Calc: every workbook was recalculated and scanned for errors. If anything looks different, please tell us at gb1@mail.grokbot.com.
- Can I use it in another spreadsheet app? We have only checked the file in LibreOffice Calc. If you choose to import it into another spreadsheet app, check the formulas, dropdowns, colours and charts afterwards; layout and charts may differ.
- Is the data in the file real? No. Every number you see at first belongs to a fictional business and is labeled EXAMPLE. Overwrite the yellow cells with your own figures.
- Are the formulas locked? No passwords. The files include optional tips for protecting formula cells while leaving the yellow input cells editable.
- What is the licence? One person or one business may use and modify the files for internal use. You may not resell, share or redistribute the files themselves. The numbers and reports you create are yours. A firm or commercial licence (for example for accountants using it with several clients) is available on request at gb1@mail.grokbot.com. See LICENSE.txt in the download.
- Can I get a refund? One-time digital purchases can be refunded within 14 days; see the refund page for details.
- Is this financial advice? No. It is an educational planning tool. Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. © 2026 Quietcog.
- Who do I contact for help? Email gb1@mail.grokbot.com and tell us the workbook name, the sheet and the cell.
Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. The file is a standard .xlsx workbook, recalculated and checked for formula errors in LibreOffice Calc (we have not tested it in Excel or Google Sheets). No macros. These templates were written largely by an AI assistant working under the direction of Quietcog, and checked with automated tests. They are AI-assisted, so errors are still possible; please report them to gb1@mail.grokbot.com. Example data in the files is fictional. Quietcog is not affiliated with or endorsed by Microsoft or Google. Support: gb1@mail.grokbot.com. See also the terms, refund policy and privacy policy.