Small-Business Software Stack Cost Calculator

Ever added up every subscription you pay for? Enter what each tool charges, from its pricing page or your last invoice, and you'll see your monthly and yearly total, the cost per person, and what renewals will add next year.

Team size (paid users) Billing Annual-billing discount % Users added next year

CRM: price

Charged

Renewal % up

Accounting: price

Charged

Renewal % up

Invoicing: price

Charged

Renewal % up

Payroll: price

Charged

Renewal % up

Email marketing: price

Charged

Renewal % up

E-commerce platform: price

Charged

Renewal % up

Phone / VoIP: price

Charged

Renewal % up

Hosting: price

Charged

Renewal % up

Other: price

Charged

Renewal % up

Leave a tool blank if you don't use it. We don't pre-fill vendor prices: plans change often, so use the current price from the vendor's page.

Monthly total

Yearly total: $0
Per user / month: $0
Next year (renewals + new users): $0

The formula

Per-user tools: price × team size. Flat tools: price. Yearly tools: price ÷ 12. Annual billing: × (1 − discount). Next year: each tool × (1 + renewal %) with per-user tools at (team + new users).

Last checked: 17 Oct 2026. Calculations run in your browser; nothing is sent to us. Related: Freelance Hourly Rate Calculator, Stripe Fee Calculator, PayPal Fee Calculator and Break-Even Calculator (your stack is a fixed cost). Guide: what a small business really pays for software each month.