The verdict in three sentences
An accounting firm that digitizes its operations targets 8 to 15 hours saved per team member per month, mostly on document management, billing and engagement tracking. In 2026, the trade-off is between SaaS at 30-60 EUR/user/month (fast, standardized) and a custom build at 40,000-100,000 EUR (tailored, ownable). Beyond 20 team members and with specific processes, custom software becomes profitable over a 4 to 5 year horizon.
What a firm's software must cover in 2026
A modern firm no longer wants to juggle a spreadsheet, an inbox and a production tool. The expected core covers DMS (electronic document management), a client portal, fee billing, time tracking and a profitability dashboard per file. The real question is not "which software" but "what level of integration between these blocks".
| Function | Vendor SaaS | Custom build |
|---|---|---|
| DMS indexed by client | Standard | Custom (own filing plan) |
| Client portal | Often optional | Integrated and tailored |
| Fee billing | Basic to advanced | Specific business rules |
| Time tracking | Yes | Yes + budget alerts |
| Profitability dashboard | Limited | Full, per partner/file |
| Connectors (bank, tax, payroll) | Fixed catalog | On demand |
SaaS or custom: the real 5-year cost
The SaaS trap is the volume effect: 60 EUR/user/month for 25 people is 18,000 EUR a year, or 90,000 EUR over 5 years, without ever owning the tool. Custom software requires a heavier upfront investment but amortizes, with annual maintenance of roughly 15 to 20 % of the build.
| Item (25 users) | SaaS 50 EUR/user/mo | Custom 70,000 EUR |
|---|---|---|
| Year 1 cost | 15,000 EUR | 70,000 EUR |
| Year 2 cost | 15,000 EUR | 12,000 EUR (maintenance) |
| Year 3 cost | 15,000 EUR | 12,000 EUR |
| Year 4 cost | 15,000 EUR | 12,000 EUR |
| Year 5 cost | 15,000 EUR | 12,000 EUR |
| 5-year total | 75,000 EUR | 118,000 EUR |
| Code ownership | No | Yes |
At 25 users, SaaS is still cheaper in pure cash over 5 years; custom is justified by ownership, fine-grained fit and the absence of imposed price hikes. The tipping point often sits around 35-40 users or when a specific process (high-value engagement, regulated sector) fits no vendor.
Mini case study
Ms. Fabre, managing partner of a 22-person accounting firm in Bordeaux, loses significant time on document collection and re-invoicing. She estimates the gain at 10 hours per team member per month, or 220 monthly hours. Valued at 45 EUR per hour, that is 9,900 EUR of recovered capacity every month, roughly 118,800 EUR a year. A 70,000 EUR custom build is therefore paid back in under 8 months of productivity gains, even converting only a third of those hours into billable work.
FAQ
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How much does a custom firm software really cost in 2026?
Expect 40,000 to 100,000 EUR depending on scope (DMS + portal + billing + profitability), with annual maintenance of 15 to 20 % of the build budget.
Isn't SaaS always cheaper?
Not beyond a certain volume: at 60 EUR/user/month for 25 people, the bill reaches 90,000 EUR over 5 years with no code ownership or deep customization.
What time savings can I truly expect?
Firms report 8 to 15 hours saved per team member per month, mostly on DMS, reminders and re-invoicing, provided the blocks are integrated together.
How long to deliver a custom tool?
A functional core ships in 3 to 5 months; a full rollout with data migration and connectors can stretch to 6 months.
Can we migrate gradually from an existing vendor?
Yes: firms usually start with the DMS and client portal, then add billing and profitability, which limits risk and spreads the investment.
Let's scope your project. Tell us your headcount, your current blocks and an indicative budget, and we will cost the most profitable SaaS vs custom scenario for you. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
