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Practical research tools

Start with your own figures.

Put the costs you have found in one place. Add your own amounts, keep ongoing bills separate, and see what you still need to check.

Use figures from current documents and quotes, or label your own estimates. Blank means unknown. Enter 0 only when you mean zero; choose “Not applicable” when a row does not apply. This is a research aid, not a financing or investment assessment.

Your entries stay in this page. This tool does not send them to us or save them. Print or download a copy before leaving. Do not enter personal, customer or confidential details.

Use the same currency throughout. Changing the label does not convert any amounts. Enter digits and a full stop for decimals, such as 1234.50, with no commas or currency symbols. Up to two decimal places; maximum 999999999.99 per row.

Opening costsRecurring costsOpening reserve

Opening costs

One-time amounts needed to set up and open. Consider deposits, licences, insurance, professional fees, training, launch marketing and technology setup. Add separate rows where useful.

Franchise or joining fee

Source and notes (optional)

Premises and fit-out

Source and notes (optional)

Equipment and vehicle

Source and notes (optional)

Opening stock

Source and notes (optional)

Other opening costs

Source and notes (optional)

Recurring costs

Choose a period for each amount. Add separate rows for materials, software, advertising, vehicle running or insurance. Put percentage or variable fee formulas in the notes until you have an amount.

Royalties and required fees

Source and notes (optional)

Premises and utilities

Source and notes (optional)

Staffing

Source and notes (optional)

Other running costs

Source and notes (optional)

Opening reserve

Money you have allowed for early business bills. Enter your own figure and note what it covers. Check whether an opening package already includes it.

Opening reserve

Source and notes (optional)

Check the boundaries of every figure.

Ask what is included, when it is due, whether taxes and deposits are included, and what can change. Separate an opening insurance payment from later premiums. Avoid counting stock, prepayments or operating allowances again as recurring bills.

For percentage-based royalties, minimum fees, tiered charges or other formulas, record the terms in the notes. This worksheet does not forecast sales, calculate fees from sales or choose a reserve period. For US offers, check FDD Items 5–7 and their footnotes. Elsewhere, use the disclosure documents and agreement for that country.

General research organization, not legal, tax, accounting or investment advice. Totals are arithmetic on your entries, not a complete investment requirement or an assessment of affordability, profitability or suitability.

Sources and further reading

Source review: 17 October 2026. The categories are prompts, not costs verified for any brand or location.

  1. FTC: A Consumer’s Guide to Buying a FranchiseUS buyer guidance on initial investment, ongoing costs and investigation
  2. FTC: Taking a deep dive into the Franchise Disclosure DocumentUS disclosure guidance on costs, fees and support
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