RS
Rahul S. — Mumbai
Just requested a web app custom build quote
⚖️ FINANCIAL ARCHITECTURE & ROI MODEL

Build vs Buy ROI Calculator

Compare 1 to 5-year Total Cost of Ownership (TCO) between recurring SaaS subscription seats and bespoke custom software. Discover your exact break-even month, cost trajectory, and strategic IP equity.

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🔢 Your numbers

Adjust the inputs below. Results update instantly as you type.

25
1 seat 50 100 175 250+
₹800/mo
₹
3 yrs
1 yr 2 yrs 3 yrs 4 yrs 5 yrs

Drag to compare costs over 1–5 years.

₹15,00,000
₹
₹25,000/mo
₹

Hosting, DevOps monitoring, security updates & bug fixes.

TOTAL SAAS COST
₹7,20,000
over 3 years
TOTAL CUSTOM COST
₹24,00,000
over 3 years
Buy (SaaS) ₹7,20,000
Build (Custom) ₹24,00,000
⏱️ Break-even: not reached within 3 years
EXTRA COST OF BUILDING
₹16,80,000

Buying wins for now. Over 3 years, custom would cost about ₹16,80,000 more. A longer horizon or more seats can flip this.

📈 Year-by-Year Cumulative Spend

See how recurring SaaS license inflation compounds vs one-time custom build capital expense.

Timeline Buy (SaaS Cumulative) Build (Custom Cumulative) Difference Recommendation

🧭 Strategic Decision Matrix

Beyond raw monetary cost, evaluate these critical engineering factors.

👑

Intellectual Property (IP) & Valuation

Custom software builds asset equity on your balance sheet; SaaS is pure recurring operating expense with zero residual value.

⚡

Workflow Customization & Speed

Bespoke software eliminates awkward SaaS workarounds and integrates 100% natively into your team's specific business logic.

🔒

Data Sovereignty & Security

Keep sensitive customer records and proprietary algorithms strictly inside your private cloud (AWS/GCP/Azure) with zero third-party vendor risk.

⏱️

Time-to-Market Trade-off

SaaS delivers day-1 onboarding. Custom development requires 4–12 weeks of engineering design and rigorous testing before production launch.

Build vs Buy FAQ

Frequently asked questions about calculating software ROI, engineering budgets, and break-even horizons.

When does building custom software make more financial sense than buying SaaS? +
Building custom software generally wins when: (1) You have more than 30–50 recurring user seats, (2) The SaaS tool is core to your competitive differentiation, (3) SaaS license fees exceed $15,000–$25,000/year, or (4) You require custom API workflows and proprietary data privacy that off-the-shelf SaaS cannot accommodate.
What ongoing costs should be budgeted for custom software maintenance? +
Industry best practice is to budget approximately 15% to 20% of the initial build cost per year for ongoing cloud hosting, security patches, third-party API version upgrades, and minor feature enhancements.
How does CodeCurious accelerate custom software time-to-market? +
CodeCurious uses battle-tested production blueprints (Next.js 15, FastAPI/Go microservices, automated CI/CD pipelines, and pre-built authentication/billing modules) allowing us to deliver full custom production platforms in 4 to 8 weeks rather than 6 to 12 months.
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