Build vs buy

Compare the cost of building vs licensing your financial software

Enter your own assumptions or vendor quotes. Every figure is visible and calculated transparently — we do not insert competitor pricing.

Horizon (years)Annual growth in accounts/transactions (%)

1. Build in-house

Year 1: development + integrations. Every year: maintenance + staff.

Initial development (EUR)Integrations (EUR)Annual maintenance & infrastructure (EUR)Annual internal staffing (EUR)Project duration (months)

2. Subscription software

Year 1: setup + integrations. Every year: fee + per-unit charges × volume (growing) + staff.

Setup / onboarding fee (EUR)Annual platform fee (EUR)Per account/transaction charge (EUR)Accounts or transactions in year 1 (units)Integrations (EUR)Annual internal staffing (EUR)Project duration (months)

3. Perpetual licence

Year 1: licence + implementation + integrations. From year 2: maintenance % of licence. Every year: hosting + staff.

Perpetual licence fee (EUR)Implementation (EUR)Integrations (EUR)Annual maintenance (% of licence)Annual hosting (EUR)Annual internal staffing (EUR)Project duration (months)

5-year cumulative cost

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Perpetual licensing, customer-controlled deployment and source-code rights can lower long-term cost for growing volumes and support regulator expectations on outsourcing exit plans — but require operational capability. Subscriptions minimise upfront cost and shift operations to the vendor.

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