Costs
Three families of costs
Picture a restaurant. The rent falls due every month, customers or not. Ingredients only cost when a plate goes out. And the fryer is bought once. Three families: fixed, variable, one-off — your whole plan rests on this distinction.Fixed costs
Rent, insurance, subscriptions, accounting: they fall due even if you sell nothing. This is your "cost of existing". The lower it is, the sooner you break even — every fixed franc must be paid for by your margins.Variable costs
They follow your sales: raw material, packaging, payment fees. No sale, no cost. They don't threaten your survival — but they eat into what each sale really brings you.One-off costs
An expense that happens only once: incorporation fees, a deep clean, the first campaign. It belongs on ITS month, not spread everywhere — otherwise your plan lies about the month the money leaves.Going deeper
Sales-driven costs
A cost can follow a volume: "per unit sold" (packaging), "per employee" (one licence per person), "% of price" (card fees). The app then recomputes it every month from your forecast.Yearly is not 12 × monthly
A 1,200 CHF yearly insurance entered as "monthly" would cost 14,400 CHF in your plan. Frequency is no detail: it says how much — and when.Steps over time
A cost can have a start and an end: hosting at 350 CHF for the first 12 months, 500 CHF afterwards. Enter two lines with their windows — they replace each other, they don't add up.Put it into practice on your numbers
This guide continues in the app: the guided path has you build your real financial plan, chapter by chapter. 1-month free trial, no card.