The verdict in three sentences
In 2026, a B2B SaaS platform MVP costs between 45,000 and 100,000 EUR over 4 to 7 months, with multi-tenant architecture adding 12,000 to 30,000 EUR. Billing/subscriptions (Stripe) represents 6,000 to 15,000 EUR and infrastructure runs at 300 to 1,200 EUR/month depending on load. The item founders most underestimate is the annual run: 15 to 25 % of the build budget every year to maintain and evolve the product.
Cost per SaaS building block in 2026
A B2B SaaS is an assembly of standard technical blocks. Here are 2026 ballpark figures per component on the New York market.
| Block | Role | 2026 budget (EUR) |
|---|---|---|
| Authentication & accounts | Login, MFA, invitations | 6,000 - 14,000 |
| Multi-tenant | Data isolation per client | 12,000 - 30,000 |
| RBAC (roles & permissions) | Fine-grained user rights | 5,000 - 12,000 |
| Billing / subscriptions | Stripe, plans, quotas | 6,000 - 15,000 |
| Analytics & reporting | Dashboards, exports | 7,000 - 18,000 |
| Core business feature | The product value | 15,000 - 40,000 |
| Full SaaS MVP | Coherent assembly | 45,000 - 100,000 |
Multi-tenancy is structural: retrofitting it later costs 2 to 3 times more than planning it from the start.
Infrastructure and annual run: the real cost of ownership
A SaaS never stops: its cost of ownership matters as much as the build. Here are the 2026 recurring items and the run calculation.
| Item | 2026 range | Basis |
|---|---|---|
| Cloud infrastructure | 300 - 1,200 EUR | per month |
| Annual run (maintenance + evolutions) | 15 - 25 % of build | per year |
| Support & monitoring | 200 - 700 EUR | per month |
| Stripe fees | ~1.5 % + 0.25 EUR | per transaction |
| MVP timeline | 4 - 7 months | project |
| Security & GDPR compliance | 5,000 - 15,000 EUR | one-off |
A 70,000 EUR MVP implies a run of 10,500 to 17,500 EUR/year: build it into the business plan and the subscription pricing.
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Mini case study
Julie, founder of an HR SaaS project in New York, wants to launch a leave-management platform for SMEs, multi-tenant with subscriptions. Accepted quote: 68,000 EUR for the MVP (auth + multi-tenant + RBAC + core feature), plus 11,000 EUR Stripe billing, for 79,000 EUR, delivered in 6 months.
She targets a 39 EUR/month plan per company. With a 20 % annual run (about 15,800 EUR) and infra at 500 EUR/month (6,000 EUR/year), her fixed annual costs reach about 21,800 EUR. She therefore needs 47 paying clients (47 × 39 × 12 = 21,996 EUR) to cover the run — a break-even reachable in 12 to 18 months with controlled acquisition.
FAQ
Do I need multi-tenancy from the MVP? Yes if you target several clients from launch. Retrofitting costs 2 to 3 times more; the initial 12,000 to 30,000 EUR is a structural investment.
How much is Stripe integration? Between 6,000 and 15,000 EUR for plans, quotas and subscription management. Add Stripe fees of ~1.5 % + 0.25 EUR per transaction to your pricing.
What annual run should I plan? Count on 15 to 25 % of the build budget each year. An unmaintained SaaS accumulates debt and churn: the run is not optional.
How long to launch a B2B SaaS? An MVP takes 4 to 7 months. Beyond that you are probably building too many features before validating the market.
What total budget for the first year? For a 70,000 EUR MVP, count on about 90,000 to 100,000 EUR the first year including run, infra and GDPR compliance.
Let's scope your project. Tell us your SaaS idea, your priority blocks (multi-tenant, billing, RBAC) and your subscription model; we price an MVP between 45 and 100k EUR. 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.
