For people seriously considering a franchise
Before You Buy a Franchise, Know What You're Really Committing To.
The franchise package price is only part of the picture.
Use the MyFinanceMD Franchise Reality Check to estimate the true startup cost, monthly operating expenses, capital runway, and operational demands of the franchise you're considering — before you commit your money.
Plus: Get the Franchise Agent Question Guide with 15 questions to ask before you pay, sign, or commit your capital.
₱499 one-time payment
Interactive assessment + practical due diligence bonus
Created by Dr. Pinky Intal, physician and financial educator behind MyFinanceMD.
The reality
The problem isn't just whether you can afford the franchise fee.
It's whether you're prepared for everything that comes after it.
How much will I really need to open?
What costs are not included in the franchise package?
How much could I spend every month just keeping the business running?
How long can my available capital support the business?
What if sales take longer than expected?
How hands-on will I actually need to be?
A franchise can look affordable on paper and still require far more capital, time, staffing, and involvement than expected.
₱499 one-time payment · No subscription
Before you commit
Don't just ask, “Can I afford this franchise?”
“Does the full financial and operational reality make sense for me?”
The Franchise Reality Check helps you organize the numbers, assumptions, and responsibilities before making a major investment decision.
The full picture
Look beyond the package price.
True Startup Cost
Estimate the costs that may sit outside the headline franchise package.
Staff Cost
Estimate one-time staff setup and ongoing people costs.
Monthly Operating Cost
See the recurring expenses that may continue whether sales are strong or slow.
Available Capital
Compare what you have with what the business may actually require.
Capital Runway
Estimate how long your remaining capital may support operations.
Operational Fit
Assess whether the staffing, supervision, systems, and daily responsibilities fit the level of involvement you actually want.
How it works
From “I think I can afford it” to a much clearer picture.
Enter what you know
Add the franchise details, quotations, planning figures, staffing assumptions, and available business capital you currently have.
Review the reality
See your startup costs, monthly operating costs, runway, operational gaps, and areas that may still need confirmation.
Get your next step
Receive a recommendation that guides you toward: Proceed · Prepare · Compare.
Your result
You won't just get numbers. You'll get a clearer next move.
Proceed
Proceed to confirmation and deeper due diligence.
Your current figures and operational readiness may be strong enough to move to the next stage of verification.
Prepare
Fix the biggest financial, time, or operating gaps before committing.
You may need stronger capital preparation, confirmed costs, or better operational readiness first.
Compare
You may have enough capital, but the operating demands may not fit the life you want.
Compare another franchise or business model before making your final decision.
Bonus included
Know What to Ask the Franchise Agent Before You Pay.
Franchise Agent Question Guide
15 Questions to Ask Before You Pay, Sign, or Commit Your Capital
The presentation may explain the brand, package, and opportunity. But you also need clear answers about the costs, responsibilities, support, and contract terms that may affect your decision.
Use the guide during a franchise presentation, discovery meeting, phone call, or follow-up conversation.
Ask better questions
Know what to clarify before paying or signing.
Capture the answers
Record what the representative actually tells you.
Request proof
Ask for supporting documents instead of relying only on verbal promises.
Your ₱499 purchase includes
One decision tool. One practical bonus. A clearer franchise picture.
Main tool
MyFinanceMD Franchise Reality Check
- True Startup Cost assessment
- Staff Cost assessment
- Monthly Operating Cost assessment
- Capital Runway calculation
- Operational Readiness check
- Red flags and gaps
- Proceed / Prepare / Compare recommendation
- Save progress
- Printable summary / PDF
Bonus
Franchise Agent Question Guide
- 15 due diligence questions
- Answer spaces
- Document reminders
- Final review prompts
- Practical questions before paying or signing
₱499 one-time payment · No subscription
This may be for you if…
You're not just browsing franchises. You're seriously considering one.
- You're considering buying a franchise.
- You've received a franchise proposal or package.
- You're comparing franchise opportunities.
- You want to know whether your available capital may actually be enough.
- You're worried about costs that may not be obvious upfront.
- You want to understand the day-to-day workload before committing.
- You want better questions to ask the franchise representative.
- You'd rather discover major gaps before paying than after.
A reality check, not a guarantee
Better information. Not false certainty.
This is not:
- a guarantee that a franchise will be profitable
- a prediction of ROI
- a guarantee that a Proceed result means you should invest
- financial, legal, accounting, tax, labor, or franchise advice
- a replacement for reviewing official franchise documents
- a replacement for professional due diligence
Behind the tool
Built by Dr. Pinky A. De Leon-Intal
MD · MPM · RFC · DipIBLM
I built the Franchise Reality Check because major business decisions deserve more than excitement, sales presentations, and headline package prices.
My work sits at the intersection of health, personal finance, business, and long-term decision-making. Through MyFinanceMD, I help professionals think more clearly about money, income, and business choices that can affect both their finances and the life they want to build.
The Franchise Reality Check was designed to help prospective franchise buyers examine the numbers, the operational demands, and the questions that still need answers before committing capital.
The goal is not to tell you which franchise to buy. It is to help you make a more informed decision.
Everything you need to assess a franchise before you commit.
One simple price
Get the Franchise Reality Check + Bonus Guide for ₱499.
₱499
One-time payment
- Interactive Franchise Reality Check
- Startup cost assessment
- Staff cost assessment
- Monthly operating cost assessment
- Capital runway calculation
- Operational readiness assessment
- Proceed / Prepare / Compare recommendation
- Printable summary
- BONUS: Franchise Agent Question Guide
- Immediate access
Pay once. No subscription. Revisit the tool whenever you need it.
A franchise is a major commitment of money, time, and responsibility.
The goal is not simply to find a business you can afford to open. It is to understand whether you are prepared to sustain it, operate it, and live with the responsibilities that come with it.
And before you pay or sign, you should know what questions still need answers.
The best time to discover a major gap is before you commit your capital.
Questions
Answers before you decide.
Before you commit
Know what the franchise may really cost you.
And know what you still need to ask before you pay.
Franchise Reality Check + Bonus Franchise Agent Question Guide
₱499 one-time payment
Initial assessment in about 15 minutes.