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Bakery business plan template

A bakery plan has to show heavy equipment up front and bakers who start before dawn, so this template opens with both already priced. The example is a made-up US retail bakery with 12 seats that also sells bread to two cafes: a deck oven and proofer, mixers and a sheeter, display cases, a head baker, two bakers and two counter staff, and a forecast of 150 customers a day at a $10 average. Change the lines to your own quotes and the template shows the money still to find, the monthly profit and the customers a day you need to break even, then downloads it as a PDF.

Part of the free Restaurant business plan template.

Last updated 20 October 2026

Free
No sign-up to use it
Works on your phone

Write your plan

Fill in each section. The numbers add up as you type, and the plan stays saved on this device.

This is an example plan for a made-up business. Replace every section with your own, or .

Cover

Restaurant name

Your name and roleoptional

Town or cityoptional

Dateoptional

Phone or emailoptional

Currency

Colour

Summary

Write this last: what you will open, where, and what you are asking for.

The concept

Type of businessoptional

The idea

What you serve, how, and why people will choose you.

The menu

About the menu

How big it is, what it changes with, drinks, set menus.

Sample dishesoptional

Location

The site

Where it is, the size, who is around it, and why it suits you.

Seatsoptional

Target customers

Who will eat with you

Who they are, when they come, and what they want.

Competitors

Staffing

RolePeopleCost each a month

Cost each a month = pay plus anything you pay on top, such as employer taxes or pension.

Staff a month$15,000

Start-up costs

Your own money going inoptional

Total start-up costs$155,700

Still to findLoan or investment$100,700

Monthly running costs

Staff (from step 8)$15,000

Running costs a month$25,300

Sales forecast and break-even

Customers a day

Average spend each

Days open a month

Food and drink cost

% of sales

Use your own numbers, without sales tax. The food and drink cost is what the ingredients cost as a share of the price; the recipe cost calculator works it out per dish.

Sales a month$42,000

Food and drink cost$11,760

Running costs$25,300

Profit a month$4,940

Customers a day to break even126

Months to earn back start-up costs32

Business plan

Golden Crust Bakery

Marta Kowalski, owner and head baker

Millbrook

Summary

Golden Crust will be a neighborhood bakery making sourdough, pastries and celebration cakes on site, with a counter, 12 seats and wholesale bread for local cafes. We have found a former bakery unit with three-phase power. We are putting in our savings and ask for a loan for the ovens, the fit-out and the first three months.

Figures are the owner's own estimates, without sales tax.Page 1 of 5

Page 1 of 5

Golden Crust Bakery · Business plan

The concept

Long-fermented bread and laminated pastries baked every morning in an open bakery customers can see from the counter. Celebration cakes made to order. Bread delivered to two cafes nearby each morning.

Type of businessRetail bakery with 12 seats and wholesale bread

The menu

Six breads, eight pastries, cookies and slices, cakes to order, and coffee to go. Wholesale price list for cafes. Labels list ingredients and allergens on everything packaged.

Sample dishes

Price

Country sourdough loaf

Butter croissant

Cinnamon roll

Celebration cake, 8 inch

$55

Location

A former bakery on the high street with three-phase power and a floor drain already in place. A farmers' market runs on the same street every Saturday.

Seats12

Target customers

Neighbors buying bread and pastries on the way to work. Families ordering birthday cakes a week ahead. Two cafes buying bread wholesale every morning.

Figures are the owner's own estimates, without sales tax.Page 2 of 5

Golden Crust Bakery · Business plan

Competitors

Supermarket in-store bakery
They do well: Cheap, open late
How we are different: Bread fermented for 24 hours, baked here

Cake maker working from home
They do well: Custom designs, social media
How we are different: A shop to collect from and taste first

Chain coffee shop
They do well: Pastries with coffee
How we are different: Baked on site every morning

Staffing

Role

People

Each a month

A month

Head baker

$4,200

Baker

$3,000

$6,000

Counter staff

$2,400

$4,800

Staff a month

$15,000

Figures are the owner's own estimates, without sales tax.Page 3 of 5

Golden Crust Bakery · Business plan

Start-up costs

Item

Cost

Deck oven and proofer

$38,000

Mixers, sheeter and benches

$22,000

Display cases

$9,000

Fit-out and counter

$40,000

Lease deposit and legal fees

$10,000

Licenses and permits

$2,000

Label printer, boxes and bags

$2,500

POS and ordering set-up

$1,200

First stock

$4,000

Opening marketing

$2,000

Money for the first three months

$25,000

Total start-up costs

$155,700

Our own money$55,000

Still to find (loan or investment)$100,700

Monthly running costs

Item

A month

Rent

$4,500

Gas and electricity (ovens)

$2,000

Insurance

$300

Card fees and software

$600

Packaging

$900

Repairs and oven service

$400

Loan repayment

$1,600

Staff (see Staffing)

$15,000

Running costs a month

$25,300

Figures are the owner's own estimates, without sales tax.Page 4 of 5

Golden Crust Bakery · Business plan

Sales forecast

Customers (covers) a day150

Average spend per customer$10

Days open a month28

Sales a month$42,000

Food and drink cost (28% of sales)$11,760

Running costs a month$25,300

Profit a month$4,940

Sales a year$504,000

Profit a year$59,280

Sales a month = customers a day × average spend × days open. Profit is before tax and before the owner's own pay, unless it is in the running costs.

Break-even

Sales a month to cover all costs$35,139

Customers a day to break even126

Months to earn back the start-up costs32

Break-even sales = running costs ÷ (1 − food and drink cost %). Customers a day = break-even sales ÷ (average spend each × days open).

Figures are the owner's own estimates, without sales tax.Page 5 of 5

Check the costs behind each dish

The free recipe cost calculator works out what each portion costs, so your food cost and prices in the plan are your own.

Cost a recipe

How it works

1
Read the example
A plan for a made-up business of this kind is filled in, so you can see what goes in each section. Start a blank plan when you're ready.
2
Fill in your sections
Write about your idea, menu, site and customers. Add your staff, start-up costs and monthly costs; totals, profit and break-even add up as you type.
3
Download the PDF
Check each page in the preview and download one tidy A4 PDF with a cover. Your plan stays saved in this browser to come back to.

What to get right in a bakery plan

1
Plan the labels before you sell wholesale
Bread and pastries you package for cafes or shops need ingredient and allergen labels. US law names nine major food allergens; sesame became the ninth on 1 January 2023, and many bakery products contain wheat, milk, eggs, tree nuts or sesame. Budget for a label printer and the time to write them.
2
Write down what goes unsold
Unsold bread and pastries are part of your food cost. Track what is left each evening for two weeks of trial bakes, then put the real share into the food and drink cost in the forecast instead of the cost of the recipe alone.
3
Give wholesale its own line
Wholesale bread sells at a lower price than over the counter but in steady, early-morning volume. Note in the menu section what you charge cafes, and check that the bakers' hours in the staffing table cover the extra bake before the shop opens.

Questions owners ask

Answered, plainly.

The ovens, mixers and the fit-out are usually the biggest costs. In the example, the start-up costs total $155,700 including three months of running money. Put your own quotes into the restaurant startup cost calculator to see your total and the money still to find.

Weigh every ingredient in one batch, cost it from your supplier prices and divide by the number of loaves or slices. The recipe cost calculator does this, and the cake price calculator builds a price list for cakes by size.

The sections are the same, but the costs are far smaller and what you may sell from home differs by state. The home bakery business plan template opens with a home kitchen, market stall and pre-orders instead of a shop.

Count customers at the counter a day and their average spend, then add wholesale orders and cakes. In the template, the forecast uses customers a day, average spend and days open; fold wholesale into the average or add it as a note in the menu section.

Checked against

US FDA, Food Allergies (major food allergens, FASTER Act) (read 20 October 2026)

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Bakery business plan template

Last updated 20 October 2026

Free

No sign-up to use it

Works on your phone

What to get right in a bakery plan

1
Plan the labels before you sell wholesale
Bread and pastries you package for cafes or shops need ingredient and allergen labels. US law names nine major food allergens; sesame became the ninth on 1 January 2023, and many bakery products contain wheat, milk, eggs, tree nuts or sesame. Budget for a label printer and the time to write them.
2
Write down what goes unsold
Unsold bread and pastries are part of your food cost. Track what is left each evening for two weeks of trial bakes, then put the real share into the food and drink cost in the forecast instead of the cost of the recipe alone.
3
Give wholesale its own line
Wholesale bread sells at a lower price than over the counter but in steady, early-morning volume. Note in the menu section what you charge cafes, and check that the bakers' hours in the staffing table cover the extra bake before the shop opens.

Bakery business plan template

Write your plan

How it works

Read the example

Fill in your sections

Download the PDF

What to get right in a bakery plan

Answered, plainly.

How much does it cost to open a bakery?

How do I work out the cost of a loaf or a cake?

Can I use this plan for a home bakery?

How should a bakery forecast its sales?

Take orders on WhatsApp from your own free page

Bakery business plan template

Write your plan

How it works

Read the example

Fill in your sections

Download the PDF

What to get right in a bakery plan

Answered, plainly.

How much does it cost to open a bakery?

How do I work out the cost of a loaf or a cake?

Can I use this plan for a home bakery?

How should a bakery forecast its sales?

Take orders on WhatsApp from your own free page