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At a glance: money to start · hours · how fast it pays · how much you keep · how much it can earn. Taller bars are better; the dashed line is halfway.

Café or coffee bar: what it really costs to start

Starting a café or coffee bar in Europe costs €50,000–€150,000 in 2026, with first income after about 20 weeks and earnings of up to €3,000 a month working full time.

Last updated: September 2026 · sources at the bottom of the page

Physical premises serving customers.

Café or coffee bar in numbers
Money to start €50,000–€150,000 What you spend before the first customer pays: kit, stock, licences, launch.
Hours a week 45–70 What it takes to run it properly, from part time to full time.
Weeks to first income about 20 How long you pay in before any money comes back. You still need to live in those weeks.
Kept of every €100 €18 What stays with you after running costs, before you pay yourself for your hours.
Most it earns a month €3,000 full time A realistic ceiling for one person running it. Your own hours are the limit.
Competition high Easy to enter, so plenty of people already do it.
Licence or qualification needed Count it in months, not weeks, and check the rules where you live.

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What nobody usually tells you

The highest capital and lowest margin here. Most close within three years, and the reason is almost never the coffee: it's the rent, due even in empty months.

The route, in five steps

  1. Work out rent as a share of forecast revenue, not in absolute terms
  2. Work six months in a bar before opening one
  3. Negotiate a lease with an early exit
  4. Open with minimum staff and hire later
  5. Track average spend from week one

What you'll need to buy

These are the categories this business pays for in the first month. We go through the software side on the tools page.

premises and licencesfit-out and equipmentstockstaff

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Common questions

How much does it cost to start a café or coffee bar?

Between €50,000 and €150,000 to begin. That covers premises and licences, fit-out and equipment, stock and the rest of the setup. It does not cover your own living costs during the 20 weeks before the first income arrives, which is the cost most people forget.

How long after starting a café or coffee bar does the first income arrive?

Around 20 weeks to the first euro. Reaching the realistic maximum of €3,000 a month takes considerably longer, and assumes 70 hours a week.

How much can you earn a month if you start a café or coffee bar?

Up to about €3,000 a month working full time. Of every €100 it takes, about €18 stays with you after running costs.

Can you start a café or coffee bar alongside a job?

Not really. This one produces nothing at reduced hours: it is full time or it is nothing. At 45 hours a week minimum, and 20 weeks before the first euro, there is no part-time version of it that pays.

Is there a lot of competition?

Competition is high. Crowded markets are crowded because anyone can enter tomorrow, which is also why they tend to keep more of each euro but earn less in total.

Similar businesses to compare

Sources

Where these numbers come from. Figures are rounded ranges for European markets; check the ones you are about to spend money on. Last checked September 2026.

  1. Restroworks — How much it costs to open a coffee shop (small shop £59,000–170,000) money to start
  2. Zempler Bank — How to start a café in the UK (costs and margins) money to start · share kept · time to first income

Does it fit you?

These numbers are the average case. Whether this business clears your target depends on your money, your hours and how long you can wait. Put them in and see.

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