Will I run out of money?
Yes, in Oct 26
Risk
You need about $1,111 from savings, sales or funding before then.
startzero.money turns your idea into a plan you can fund. Answer six plain questions and get a live financial model, a lifetime-deal planner, AI-drafted funding proposals, and a Burnout Guard that protects your hours.
You need about $1,111 from savings, sales or funding before then.
Month 18 of your plan, and profit stays positive after that.
The plan needs up to 115% of your hours. See costed fixes in the Burnout Guard.
This is a live calculation of an example plan, not real results. Every figure in the app can be tapped to show its formula with the real numbers.
₹0 or $0 is a valid starting point. Start from your savings, hours and day job, find the cheapest stack that ships, and see how long you can keep going.
See net cash after the marketplace share and refunds, and what each lifetime buyer keeps costing you in hosting, AI and support. In the example, $73.5K in sales becomes $28.7K in your bank.
Your hours are modelled like cash. Support tickets, AI-code fixes and launches all add up, and you get costed fixes before overload, not after.
A lifetime buyer pays once, but hosting, AI and support cost money every month. The planner tracks both lines for 36 months, recommends a code cap, and flags the month a deal starts losing money.
Savings, hours a week and your day job. Zero is fine.
Pick a template and the tools it runs on.
Your plans and what you charge.
Where they come from and how many.
Tools, people and any office.
Side income, full-time income, or raising money.
Test demand before you build or plan.
Start from your real situation, even with no money.
Plan your first revenue and customers.
See the true cash and long-term cost of a deal.
Make sure the plan fits the hours you have.
Reach independence or raise money.
Tap any figure to see its formula with your real values, like “₹42,000 = 60 customers × ₹700”.
AI prices double, sales halve, your biggest customer leaves. See the effect on cash and break-even instantly.
A funding ladder, a directory of 20 funding methods filtered for your country, and an investor tracker.
Drafts for AppSumo, angels, VCs, grants, banks and crowdfunding, with every number pulled live from your plan.
Readiness scores, a 12-week countdown, an FAQ bank and a launch-day war room sized to your hours.
Goal after fees, the email list you need before launch, and reward tiers that make money.
Proposed prices. Payments are launching soon; lifetime-deal codes can be redeemed now.
How to start a startup with no money, step by step: cover your own bills, sell before you build, use free tools and protect the hours you have.
How to build startup financial projections from a few honest assumptions: revenue drivers, costs, cash, and the sanity checks investors use.
Runway is cash divided by net burn. Learn gross vs net burn, how to calculate runway properly, and five ways to extend it without raising money.
startzero.money is a startup financial planner for founders starting with little or no cash. You answer six plain questions and get a live plan: cash runway, break-even, workload, and full financial statements, plus planners for lifetime deals, crowdfunding and funding proposals.
No. Simple mode asks everyday questions and builds the financial model for you. Finance terms only appear where they help, each with a one-line explanation, and you can tap any number to see exactly how it was calculated.
Any country and currency. Country packs set currency, number format, tax defaults and local funding options; India, the US and the UK have packs today, and every local rule is marked for verification. You can also show key figures in a second currency.
No. AI only writes text, such as proposal drafts and campaign copy. Every number comes from your plan, projections are always worded as projections, and missing facts are shown as highlighted gaps for you to fill in rather than invented.
Yes. The lifetime-deal planner models the marketplace share, refunds and payout timing, then the monthly cost of serving lifetime users. It shows the month costs overtake the cash kept, recommends a code cap for your hours, and includes an AppSumo pre-application checklist.
No. It calculates projections from your assumptions and explains how. For tax, legal or investment decisions, especially equity crowdfunding or raising money, check with a qualified professional in your country.
More answers on the FAQ page.