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Business plan generator

Put in what you sell, your prices and your costs, and get a one-page business plan with monthly profit, the number of jobs you need to break even and how long it takes to earn back your start-up costs. Built for UK sole traders and small firms. It runs in your browser and nothing is stored. Optional: copy the ChatGPT prompt to turn it into a fuller plan for a bank or Start Up Loan.

How to use it

1. Start with realistic numbers: what you can charge in your area, what each job costs you, and how many jobs you can actually do a month.
2. Read the notes. If the plan makes a loss or doesn't cover what you need to live on, change one number at a time.
3. Copy the plan. For a lender or a Start Up Loan, paste the ChatGPT prompt into ChatGPT or Claude to expand it, then check every section.
4. Check the detail with the break-even calculator, day rate calculator and self-employed tax calculator.

Worked example

A new cleaning business charging £70 a job with £18 of direct costs makes £52 a job. With £650 of fixed costs a month it breaks even at 13 jobs, and needs 48 jobs a month to also cover £1,800 to live on. At 45 jobs a month the plan shows sales of £3,150, profit before tax of £1,690 and £3,000 of start-up costs earned back in about 2 months, with a note that the profit is less than the £1,800 needed.

UK facts used

• Registering. Tell HMRC you're self-employed by 5 October after the end of the tax year you started (GOV.UK). See how to register as self-employed.
• VAT. You must register if taxable turnover goes over £90,000 in a rolling 12 months (should I register for VAT?, VAT threshold checker).
• Start Up Loans. The government-backed scheme lends up to £25,000 as an unsecured personal loan at a fixed 7.5% a year over 1 to 5 years, with 12 months of free mentoring (Start Up Loans, checked 17 October 2026).

More: sole trader vs limited company calculator · AI tools for sole traders on a budget · ChatGPT prompts for small business UK

A planning aid, not financial advice.

Questions

Is there a free AI business plan generator in the UK?

Yes. This page builds a one-page plan with your numbers in your browser for free, and gives you a ChatGPT prompt to expand it into a full plan for a bank or Start Up Loan.

Can ChatGPT write a business plan?

It can write the structure and wording, but it doesn't know your prices, costs or local market and may invent figures. Work out your numbers first, then ask it to keep them unchanged.

What should a one-page business plan include?

What you sell, who to, your pricing and costs, monthly sales and profit, break-even point, start-up costs and how you'll pay for them, the main risks and your next steps.

Do I need a business plan for a Start Up Loan?

Expect to need one. Start Up Loans offers support, templates and guides for writing a business plan and cash flow forecast, and 12 months of free mentoring if you get a loan.

How do I work out break-even?

Divide your monthly fixed costs by what each job contributes (price minus direct costs). Add what you need to live on to see the jobs you need to pay yourself.