Franchise Investment Calculator
How much franchise can you afford?
Enter a few numbers about your savings and net worth. You get an estimated investment range in seconds, and nothing leaves your browser until you choose to send it.
Get your franchise matches
Tell us where to send your investment profile, and we will pair you with a consultant who knows franchise models in that range.
How the estimate works
Broad ranges, honest assumptions
Nobody can tell you exactly what you can afford from five numbers, so the calculator gives a range and shows its working. It makes these assumptions:
- A year of living costs stays in the bank. We set aside twelve months of the personal income you need before counting the rest as available to invest.
- Retirement funds count only if you say so. A rollover for business startups (ROBS) can fund a franchise without early-withdrawal penalties, but it puts retirement savings at risk and has strict rules.
- Financing multiplies your cash. Lenders usually want part of the project from you, commonly 10% to 30%. We assume 25% to stay on the cautious side.
- Net worth sets a ceiling. Franchisors set minimum net worth requirements, so we cap the estimate at yours.
- Your comfort level wins. If you enter a most you would invest, the estimate never goes above it.
Compare the range with each franchise’s estimated initial investment in Item 7 of its Franchise Disclosure Document. That figure includes the franchise fee, build-out, equipment and opening working capital.
Questions about the calculator
Is this a loan approval?
No. It is a planning estimate. Lenders look at credit, experience, the brand and the location, and franchisors have their own requirements.
What counts as liquid capital?
Cash, savings and investments you could turn into cash within about 90 days without heavy penalties. Home equity and retirement accounts are usually counted separately.
Why is my range lower than I expected?
Usually because of the living-cost reserve or the net worth ceiling. Both are there to keep you from investing money you will need while the business ramps up.
Who sees my numbers?
Nobody, unless you send them. If you ask for your franchise matches, your numbers are used to pair you with one consultant and are never sold to franchisors or lead buyers.
Confidential. No obligation.
Get matched with the right franchise consultant before you commit a dollar.
A 30-minute discovery call about your background, capital and goals, so we can pair you with the consultant whose experience fits. No cost, no obligation, and a clearer picture either way.