The verdict in three sentences
A vertical SaaS (30-80 EUR/staff/month) is the right start for a firm under 10 people that wants a document store, deadline tracking and a client portal with no upfront cost. Custom software (25,000-60,000 EUR) pays off once you pass 12 seats, run atypical workflows, or want to stop paying a subscription that climbs with every hire. The real number isn't the sticker price but the five-year total cost measured against the data-entry hours you recover.
What a practice tool covers in 2026
A modern practice management tool bundles several blocks: document management (DMS), tax and payroll deadline tracking, a secure client portal, staff time-tracking, invoicing and a per-engagement profitability dashboard. Price mostly depends on the scope chosen and the deployment model.
| Module | Vertical SaaS (per month) | Custom (one-off, 2026 estimate) |
|---|---|---|
| DMS + auto-filing | Included | 6,000 - 12,000 EUR |
| Tax/payroll deadline tracking | Included / add-on | 4,000 - 8,000 EUR |
| Secure client portal | 5-15 EUR/active client | 5,000 - 10,000 EUR |
| Time-tracking + profitability | Add-on | 5,000 - 12,000 EUR |
| Invoicing + reminders | Included | 4,000 - 9,000 EUR |
| Integrations (bank, payroll, EDI) | Variable | 6,000 - 15,000 EUR |
Vertical SaaS or custom: cost per staff member
SaaS bills per user: the more you hire, the higher the monthly bill. Custom is a fixed investment amortised over time. Here is the five-year order of magnitude by firm size.
| Firm size | SaaS 55 EUR/user/month (5 yrs) | Custom 40,000 EUR + 12% maintenance/yr |
|---|---|---|
| 5 staff | 16,500 EUR | 64,000 EUR |
| 10 staff | 33,000 EUR | 64,000 EUR |
| 15 staff | 49,500 EUR | 64,000 EUR |
| 20 staff | 66,000 EUR | 64,000 EUR |
| 30 staff | 99,000 EUR | 64,000 EUR |
| 40 staff | 132,000 EUR | 64,000 EUR |
The tipping point sits around 18-20 staff: below it SaaS is cheaper; above it custom is clearly more economical, before counting the value of owning your tool.
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Mini case study
Sophie, partner at a 22-person accounting firm in Nantes, currently pays 55 EUR/user/month, i.e. 14,520 EUR/year. Her staff lose about 4 hours/week to re-keying and document search. A 45,000 EUR custom tool (delivered in 14 weeks) removes roughly 60% of those hours. Across 22 seats that is 22 × 2.4 h × 45 weeks = 2,376 hours/year recovered. At a 35 EUR loaded hourly cost, the annual saving reaches 83,000 EUR, plus the end of the subscription (14,520 EUR/year). The project pays for itself in under seven months.
FAQ
What's the entry price of a vertical SaaS in 2026? Expect 30 to 80 EUR per staff member per month depending on modules. A small 5-person firm starts around 150-400 EUR/month, excluding client-portal add-ons.
How long to build custom software? Between 10 and 16 weeks for a DMS + deadlines + portal + invoicing scope, including testing and data migration. Bank and EDI integrations may add 2 to 4 weeks.
Is custom risky versus an established vendor? The main risk is maintenance: agree a clear contract (12-18% of the initial cost per year) and documented code. In return you avoid per-seat price hikes and imposed features.
Can we migrate data from the old tool? Yes, migrating client files, entries and documents is part of any serious project. Plan a 1-2 week acceptance phase to verify data integrity.
What ROI should I expect? Most of the return comes from data-entry and document-search hours saved: 3 to 5 hours/week per staff member, typically amortising in 6 to 12 months for firms above 15 seats.
Let's scope your project. Tell us your headcount, priority modules (DMS, deadlines, portal) and indicative budget, and we'll tell you whether SaaS or custom is more profitable 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.
