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TCO tool 2026

Your store grows - and so do hidden costs. Estimate your five-year TCO.

A quick, free calculator based on 2026 market assumptions. See when a move to headless (Medusa.js) starts to pay off at your GMV level.

  • Models informed by 16+ years in software delivery and 120+ shipped digital projects.
  • One of the few Polish teams maintaining active open source for the Medusa.js ecosystem.Our Przelewy24 integration is public on GitHub. View repository →
  • Unlike many agencies, we offer a fixed-price guarantee after the DDT (Discovery, Design & Technology) stage.

TCO calculator

This is a demo model: five-year SaaS cost blends reference curves (fees, plans, apps) with your platform tier. We assume an effective payment-fee band around 2.15% against that curve - your contracts and gateways are validated in a proper TCO audit.This is a demo model: five-year SaaS cost blends reference curves (fees, plans, apps) with your platform tier. We assume an effective payment-fee band around 2.15% against that curve - your contracts and gateways are validated in a proper TCO audit.
5M15 mln PLN150M

Set the inputs to calculate your result

Change GMV, platform, or app costs. The result will update around your situation.

Non-financial upside of going custom (Medusa.js)

SaaS pain is not only cash - it is friction: API ceilings, support queues, and roadmap items that never get approved.

Owning the stack is not only about lower TCO. It ends the wait for a vendor roadmap. Your team can ship subscriptions, B2B configurators and bespoke promotions without negotiating with a platform provider or paying for every new marketplace feature.

Edge assumptions behind the algorithm (for skeptics)

Transparent simplifications in the demo model. A real quote always needs contracts, gateway rates, and integration maps.

  • For SaaS we model an effective blended gateway fee around 2.15% plus a small per-order fixed (on the order of USD 0.30) averaged into the reference curve.
  • For headless we assume no extra platform take-rate on turnover (beyond card-network/processor costs and your infra).
  • Medusa.js CAPEX steps between scale tiers (build + integrations), it does not grow linearly with every GMV million.

Want to discuss your result?

Book a free 45-60 minute strategy session with a GMI e-commerce architect. You leave with specifics even if we never sign a build contract.

  • A focused TCO pass on your real volumes and payment-gateway fees - not generic industry tables.
  • Migration risk notes and a starter Medusa.js rollout timeline that keeps sales running (dual run, phased cutover).
  • A straight answer on whether a fixed-price guarantee after our DDT (Discovery, Design & Technology) stage fits your case.
Discuss these results with a consultant
Not ready to talk? Download the TCO report and come back when you are. →

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