> ## Documentation Index > Fetch the complete documentation index at: https://www.practiceownersguide.com/llms.txt > Use this file to discover all available pages before exploring further. # Startup cost calculator > Estimate your total startup cost, working capital, and loan size for opening a practice, live and interactive. Plug in your numbers and get your total startup cost, suggested loan size, and monthly burn. The interactive calculator runs on our site, enter your estimates and the totals update as you type. Interactive: one-time costs, monthly burn, working capital, contingency, and the total to raise or borrow. Prefer to work it by hand? The [startup cost worksheet](/reference/startup-costs) walks the same categories as a manual exercise, with what each line typically costs by practice type. ## What to do with the number Take the total to [Get a practice loan](/guides/get-a-practice-loan). Lenders will want to see the working-capital line, undersized working capital (not buildout overruns) is the classic reason new practices take expensive bridge debt in month 5, because insurance collections lag opening by 45 to 90 days ([why](/concepts/claim-lifecycle)). ## Related * [Startup cost worksheet](/reference/startup-costs) * [Get a practice loan](/guides/get-a-practice-loan) * [Practice loan options](/guides/practice-loan-options) * [Negotiate your lease](/guides/negotiate-your-lease)