How to Start in Canada

Free tool · Canada · 2 minutes

Plumbing business first-year cash-flow planner

Type your own numbers and see, month by month, when the money goes out and when it starts coming back in. Every figure is yours — nothing here is an average or a guess.

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Van, tools, branding, registration — everything you pay once. Use our startup cost estimator to add it up, then come back and type the total here.

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Insurance, bookkeeping software, phone — the bills that arrive every month. Our guide cites about $45 a month for a $2M liability policy. Add your other monthly costs on top.

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What you expect to bring in during a normal month once you are billing regularly. Be honest — a conservative figure beats a hopeful one.

Months 1 onward carry only expenses until the first invoice lands. Licensing, registration, and setup usually eat the first month or two.

Your first-year plan

Total cash out (year 1)

$0

Total cash in (year 1)

$0

Balance at month 12

$0

Back in the black

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MonthOutInBalance

A planner is a sketch, not a forecast. Pair it with the plumbing business guide for the steps in order, and keep at least six months of the recurring expenses set aside before the first invoice lands.

Keep going