Run this yourself before any conversation. Take your per user monthly cost, multiply by your seat count, multiply by twelve. Then add the add ons. Reporting modules, storage upgrades, the integration connector you pay a third party for, the premium support tier.
A hypothetical mid sized firm with 60 seats at 30 dollars per user per month is paying 21,600 a year in licenses alone. Add a 400 dollar per month connector and a reporting add on and you're near 30,000. Project that across five years, add the price increases every platform pushes at renewal, and you're looking at a serious number for software you will never own.
Now the important part. That subscription total is not the only cost. Count the hours your team spends on manual workarounds. The rekeying between systems. The month end reconciliation that exists only because two tools don't agree. Those hours are real payroll, and they usually dwarf the license fee.
A custom system flips the model. You pay to build it, then you own it. No per seat charge when you hire. No renewal negotiation. No feature you rely on getting moved to a higher tier. You still pay for hosting and ongoing maintenance, and anyone who tells you otherwise is selling something. But the curve bends the other way over time.
Pull your actual seat list before you do this math. Most companies are paying for 15 to 30 percent more licenses than they have active users. Former employees, duplicate accounts, and contractors who finished a job two years ago all show up on the invoice.