The verdict in three sentences
A credible B2B SaaS MVP in 2026 costs between 25,000 and 60,000 EUR over 8 to 14 weeks, provided you ship a single core feature wrapped in auth, billing and a dashboard. Over-engineering (micro-services, complex multi-tenancy, native mobile) is the number-one budget killer at this stage. The safe default stack remains Next.js + Supabase + Stripe on Vercel: fast to build, with a clean door to V1.
What an MVP actually covers and its price
The classic trap is confusing an MVP with a finished product. An MVP exists to validate a problem and willingness to pay, not to cover every edge case. Here is an indicative 2026 build (order of magnitude, Berlin agency rates) per block.
| Functional block | MVP scope | Indicative cost EUR | Timeline |
|---|---|---|---|
| Auth & accounts | Email + OAuth, basic roles | 3,000 - 6,000 | 1 wk |
| Core feature | Your unique value proposition | 10,000 - 25,000 | 3-6 wk |
| Billing | Stripe subscriptions + trial | 3,500 - 7,000 | 1 wk |
| Dashboard | Overview + settings | 4,000 - 9,000 | 2 wk |
| Landing + onboarding | Sales page + flow | 3,000 - 7,000 | 1-2 wk |
| Infra & CI/CD | Vercel, monitoring, backups | 1,500 - 4,000 | 0.5 wk |
| MVP total | 1 validated feature | 25,000 - 60,000 | 8-14 wk |
Add a 10-15 % buffer for surprises and design iterations.
Agency, freelance or no-code: which trade-off?
The choice depends on timeline, budget and domain complexity. No-code (Bubble, Softr) validates an idea for a few thousand euros but caps out fast; an agency secures the path to V1.
| Option | MVP cost EUR | Timeline | V1 risk | Fits if |
|---|---|---|---|---|
| No-code | 3,000 - 12,000 | 3-6 wk | High (replatforming) | Pure market test |
| Solo freelance | 15,000 - 35,000 | 8-16 wk | Medium (bus factor) | Tight budget |
| Product agency | 25,000 - 60,000 | 8-14 wk | Low | Scale ambition |
| In-house team | 45,000 - 90,000 | 12-20 wk | Low | Already funded |
Mini case study
Julian, founder of a SaaS startup in Berlin, wants to validate a compliance-tracking tool for accounting firms. Scope: CSV import, one control rule, alerts, billing. Agency quote: 38,000 EUR, delivered in 11 weeks. He targets 20 customers at 79 EUR/month, i.e. 18,960 EUR ARR in year one. The MVP pays back in year two, and above all he gets proof of willingness-to-pay before investing 100,000 EUR in V1.
FAQ
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How long for a B2B SaaS MVP?
Between 8 and 14 weeks for a disciplined scope. Below 8 weeks you usually cut billing or security, which costs more later.
Can you build an MVP under 20,000 EUR?
Yes, with no-code or a freelancer on a very small scope, but budget a replatforming (10,000 - 40,000 EUR) if the product takes off.
Which stack in 2026?
Next.js + Supabase + Stripe covers 90 % of early-stage B2B needs, with infra under 100 EUR/month below 1,000 users.
Do you need multi-tenancy from the MVP?
Rarely. A simple per-organization model is enough; advanced multi-tenancy is added in V1 when volume justifies it.
What survives from MVP to V1?
With a clean stack, 60 to 80 % of MVP code is kept. No-code is often thrown away entirely.
Let's scope your project. Describe your core feature, indicative budget and target timeline, and we'll frame a fundable MVP and a V1 trajectory. 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.