Business Savings Planner
Build the runway to launch without a loan or angry co-founder.
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Your goal
Your roadmap
£11,500 to go
365 days · 52.1 weeks · 12 months until 3 Aug 2027
Success score
Per day
£31.51
Per week
£221
Fortnightly
£441
Per month
£959
Trim monthly spending
You'd need 137% of your disposable income. Cutting £135/month from subscriptions and takeaways typically closes half the gap.
Add extra side income
Tutoring, freelance, weekend shifts or reselling can add £200–£400/month — often the difference between stretch and comfortable.
Assign your next bonus
A £1,000 workplace bonus routed straight to this pot advances your target date by ~1 month at current pace.
Consider extending the date
Adding 21 months would drop your monthly target to a realistic £348.
Motivation
You've already covered 4%. Small wins compound — a £5/day cut equals £150/month.
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How to plan a business fund
- 1
Split your target: 6 months personal expenses + 6 months business fixed costs + £2k buffer.
- 2
Keep personal and business savings in separate accounts from day one.
- 3
Register for VAT only if turnover requires it — otherwise you lose 20% margin.
- 4
Track burn weekly, not monthly — you'll spot problems 3 weeks earlier.
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FAQs
How much should I save before starting a business?+
6 months personal runway is the minimum. 12 months lets you make better decisions instead of desperate ones.
Should I use a business loan instead?+
Only if you have paying customers and need to fulfil orders. Loans for 'runway' rarely end well.
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