Startup cost calculator

What does it cost to launch a financial business?

Enter your own estimates by category. Regulatory capital is shown separately because it remains on your balance sheet — it is not a fee.

One-off expenditure

Company establishment (EUR)Regulatory application fees (EUR)Legal & compliance support (EUR)Financial software (licence / setup) (EUR)Implementation & integration (EUR)

Recurring expenditure

Staffing (annual) (EUR)Banking & financial infrastructure (annual) (EUR)Continuing operations (annual) (EUR)Runway until break-even (months)

Regulatory capital (not an expense)

Required capital (EUR)

Statutory minimums from our database (verify current values):

Swiss banking licence: CHF 10m min. share capital
Swiss FinTech licence: 3% of deposits, min. CHF 300k
EU credit institution: EUR 5m initial capital
EU / UK EMI: EUR 350k initial capital
EU payment institution: EUR 20k–125k
MiCA CASP: EUR 50k–150k