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Method and limits

Enter your actual USD prices and seats; catalog prices are examples. Annual cost equals your monthly equivalent × 12. Optional scenarios default to 30 years, 5% price increases and 7% returns; you can edit them. Fixed and price-linked investment contributions are separate illustrations before taxes, fees and inflation. Only costs you select as unused count toward unused spending. Legacy history/profile prompts remain optional.

Your annual
software cost

Start with one monthly total to see your yearly cost, or choose the tools you use.

Free calculator. No credit card required.

What You'll Discover

Start with the costs you enter, then choose what to explore:

Annual Cost First

See annual spending and the next renewal budget before exploring longer-term scenarios.

Category Breakdown

Understand where your money goes: AI tools, dev infrastructure, marketing, and more.

Optional Stack Profile

An optional rule-based description, separate from your costs and not a personality assessment.

Opportunity Cost

Explore an opportunity-cost scenario using a hypothetical 7% investment return.

How It Works

Three simple steps to clarity:

1

Enter Your Tools

Quick mode: Enter your monthly spend. Detailed mode: Select from 40+ tools or add your own.

2

Review Your Costs

Review annual cost and select any unused portion yourself. A usage survey and rule-based profile are optional.

3

See Your Results

Change the horizon, price increases, and return assumptions to compare spending and investment illustrations.

What You'll Get

  • Your monthly and annual cost— at current entered prices
  • Category-by-category breakdown— see where money goes
  • Your unused-cost selection— only costs you identify
  • Optional long-term illustration— editable assumptions
  • Next renewal budget— based on your chosen interval

Frequently Asked Questions

How is the 30-year SaaS tax calculated?
The optional illustration defaults to 30 years and 5% annual price increases. You can change the horizon and growth assumptions. Investment paths separately compare fixed contributions with contributions that rise alongside prices.
What SaaS tools are included in the database?
Our database includes 40+ popular SaaS tools across 11 categories: AI Tools, Communication, Dev & Infrastructure, Design, Marketing, Analytics, Finance, Sales, Support, Productivity, and No-Code platforms. You can also add custom tools with your own pricing.
What are the SaaS personality types?
The optional legacy profile applies authored rules to your selections. It is not a personality assessment, diagnosis or population comparison, and it does not change the cost worksheet.
Is this calculator free?
Yes. Calculation results are free without signup. Any newsletter signup is optional.
Why does this matter for founders?
A long horizon makes recurring costs visible. Compare those scenarios with the cost and ongoing maintenance of alternatives; building a replacement is not automatically cheaper.

Takes 2 minutes. Free forever. No login required to see your results.

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