The costs that don’t show up in your equipment quote.

The equipment is only part of the opening cost.

List your buildout, deposits, permits, insurance setup, pre-opening payroll, marketing, and equipment. Put each item in the month when cash actually leaves the business. A refundable deposit still ties up cash.

Give the early months room to breathe.

Opening day is not the same as a steady operating month. Plan for a period when receipts may be below costs and set a minimum cash reserve. A cautious scenario helps expose a gap before you commit.

Ask “How much cash gets us through?” as well as “How much gets the doors open?”

Our starter calculator uses a constant monthly cash-flow assumption. It is a quick first estimate; a detailed opening plan should model each month and the actual timing of payments.

Make the plan specific to your gym.

A reformer studio, strength gym, and personal training space will have different equipment and capacity constraints. Replace sample values with quotes and assumptions you can explain.