12-month 0% scenario
$6,667 / month
$20,000 down, then 12 financed payments at 0%.
Ten-year ownership model: $147,880
Finance ownership, not another subscription
Build the platform your business can own.
Compare the planned cost of an owned custom operating platform with the recurring subscriptions your business pays for every month, seat by seat, without building equity in the software.
Editable 10-year planning model
Put your current software spend next to an ownership path.
The starting subscription figure is an editable planning assumption, not an asserted industry average. Replace it with your actual recurring software invoices before using the model in a buying decision.
Your planning inputs
Edit both values.
Requested model starting point: $100,000.
Editable planning assumption. Include the subscriptions you use to run the business.
This calculator is an estimate, not a quote, tax analysis, financing approval decision, or savings guarantee. Contract, scope, integration, and ongoing-service terms are confirmed separately.
24-month 10.99% scenario
$3,728 / month
$20,000 down, then 24 financed payments at 10.99%.
Ten-year ownership model: $157,358
Your 10-year comparison
Current recurring stack: $300,000
At the entered subscription spend, the model compares 120 months of recurring subscriptions with a financed build plus 120 months of $399 hosting and estimated AI fees.
Modeled difference, 0% path
$152,120
Lower modeled ten-year cost than entered subscriptions
After the term
$399/mo hosting + estimated AI
Monthly operating difference
$2,101 below entered stack
Ownership status
Custom platform remains a business asset
Next step
Bring the numbers into a custom platform conversation.
The inquiry creates a consented CRM lead for an authorized team member. It does not create platform access, finalize a scope, or send a financing agreement automatically.
Questions and assumptions