The verdict in three sentences
A shippable B2B SaaS MVP in London in 2026 costs between EUR 40,000 and EUR 90,000 for a single core feature, a multi-tenant foundation and Stripe billing. A realistic timeline runs from 10 to 16 weeks, keeping a +20 % contingency for technical debt and product iterations. The classic trap isn't the dev price, it's trying to ship five modules when one is enough to validate the market.
What an EUR 40,000-90,000 MVP actually covers
An MVP is not a cut-price version: it's the minimum scope that proves a customer will pay. In practice it includes authentication, per-tenant data isolation, onboarding, the core feature, a simple dashboard and recurring billing through Stripe Billing. Everything else (SSO, advanced exports, public API) waits for traction.
| Item | 2026 range (EUR) | Indicative time |
|---|---|---|
| Product scoping + UX/UI design | 4,500 - 10,000 | 1-2 wk |
| Multi-tenant core + auth | 9,000 - 18,000 | 2-3 wk |
| Core feature + dashboard | 14,000 - 34,000 | 4-6 wk |
| Stripe billing (subscriptions, trials) | 4,500 - 10,000 | 1-2 wk |
| Testing, deployment, monitoring | 3,500 - 9,000 | 1-2 wk |
| Contingency (+20 %) | 7,000 - 17,000 | ongoing |
No-code vs custom: when to switch
No-code (Bubble, Xano) lets you test an idea for EUR 9,000-22,000, but quickly hits multi-tenant performance limits, platform fees and resale issues. Custom costs more upfront but stays your asset.
| Criterion | No-code | Custom |
|---|---|---|
| Initial MVP cost | EUR 9,000 - 22,000 | EUR 40,000 - 90,000 |
| Time to first version | 4 - 8 wk | 10 - 16 wk |
| Monthly platform cost | EUR 220 - 1,000 | EUR 170 - 550 (infra) |
| Scalability ceiling | Low to medium | High |
| Code ownership | Limited | Full |
| Credible for fundraising | Hard | Yes |
Mini case study
Thomas, founder of an HR startup in London, is targeting a first EUR 500,000 round. He picks a custom MVP at EUR 58,000 (core feature: automatic candidate scoring) delivered in 13 weeks, with EUR 11,600 in contingency. He signs 6 pilots at EUR 540/month, i.e. EUR 3,240 in MRR within three months: a traction signal strong enough to open his round. No-code would have saved 6 weeks but blocked the fund's technical due diligence.
FAQ
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How long before I have a usable MVP?
Expect 10 to 16 weeks in 2026 for a solid core feature. A no-code MVP can ship in 4 to 8 weeks, but with technical limits that are expensive to fix later.
Why budget a 20 % contingency?
Because scope always shifts: user feedback, billing edge cases, GDPR tweaks. On an EUR 50,000 budget that's EUR 10,000 that keeps the project from stalling halfway.
Is multi-tenant essential from the MVP?
For a B2B SaaS, yes: rebuilding data isolation afterwards costs 2 to 3 times more than laying it in from the start. It's the least visible but most structural brick.
Should I code billing myself?
No. Stripe Billing handles subscriptions, trials, VAT and dunning for around 1.5 % plus fixed fees. Building an in-house billing engine on an MVP wastes time and budget.
What happens to the MVP after validation?
It evolves in sprints: each new feature typically costs EUR 9,000-22,000. You prioritise by measured customer value, not by the original roadmap.
Let's scope your project. Tell us your core feature, indicative budget (EUR 40,000-90,000) and launch horizon, and we'll scope the MVP in a single workshop. 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.
