The startup starter kit: What it costs to start a company
Claude is now the most common first-90-day purchase as AI tools drive most of the increase, Brex said.
- On Tuesday, Brex launched its first annual Startup Starter Kit index, reporting that startup setup costs reached $4,417 in 2026, a 14% increase from the $3,886 cost for companies founded in 2023.
- To create this index, Brex researchers examined internal credit card data from the first 90 days of new companies to track the cost of a fixed list of essential software and hardware.
- Claude has become the most-adopted item in the 2026 kit, purchased by 62% of new companies, while Cursor reached 31% adoption after both joined the over 10% club following 2023.
- New companies now prioritize AI, with the median time between a first card charge and an AI purchase falling from 24 days in 2023 to nine days for the 2026 cohort.
- Total living kit spending remained relatively flat, shifting from $5,058 in 2023 to $4,940 in 2026, as companies swapped traditional tools for AI, offsetting the rising fixed costs.
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The startup starter kit: What it costs to start a company
Price indices work off a basket: Pick a fixed list of goods, then track what that list costs over time. The Consumer Price Index does this for a whole economy. To create a similar index for the first 90 days of a company’s life, Brex examined internal data to determine what startups purchase using their Brex credit card in those first few months.Call it the Startup Starter Kit, or "the kit": the set of software and hardware that at least 1 in 10…
The startup starter kit: What it costs to start a company - Stateline Publications
Price indices work off a basket: Pick a fixed list of goods, then track what that list costs over time. The Consumer Price Index does this for a whole economy. To create a similar index for the first 90 days of a company’s life, Brex examined internal data to determine what startups purchase using their Brex credit card in those first few months.Call it the Startup Starter Kit, or "the kit": the set of software and hardware that at least 1 in 10…
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