Your finding
$723K apart
Illustrative, and cost only. Your own numbers replace these when you run the comparison below.
Free tool
Find the 3-year cost of building it, hiring an agency, or buying a platform.
Your finding
$723K apart
Illustrative, and cost only. Your own numbers replace these when you run the comparison below.
3 paths
Build, agency, platform, side by side
Your horizon
The answer changes with the timeframe
No email
The result is never gated
One link
Built to forward to finance
Three totals on the same basis, and the point at which the answer flips.
Three shapes this comes out in, and what each one actually settles.
Your in-house monthly cost is simply higher than the alternative's, so no horizon rescues it. This is the usual result above one or two hires, and it is an argument about capability rather than cost from that point on.
There is a real crossover month. Everything before it favours renting, everything after favours owning. If the crossover lands near the end of your horizon, the decision is close enough that non-cost factors should settle it.
When the three totals land within a few percent, cost is not the deciding variable and pretending otherwise is how teams end up defending a spreadsheet instead of a strategy. Decide on control, speed, and quality instead.
Six things that decide this call and cannot be costed honestly.
If the totals land close together, these are the tiebreakers. Cost only settles the question when the gap is large.
Four steps, applied identically to each path.
Recruiting for the build path, onboarding for the agency, implementation for the platform.
Loaded salaries plus tools, or the retainer, or the subscription. Each carried across the full horizon.
Charged to the agency and platform paths only, because someone on your side still owns the outcome.
Where cumulative in-house cost drops below each alternative, given the one-off and recurring difference.
Every assumption, so the number holds up when someone pushes back on it.
Twenty minutes on what each option actually produces, and which one fits the work you are trying to do.
Book a walkthroughA neutral total-cost-of-ownership breakdown and a build-vs-buy guide.
License waste, integration debt, and campaigns that ship after the signal goes cold.
Agency or in-house team? There is a third option worth costing out.