AI Infrastructure ROI Simulator: Build vs Buy vs API

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The Machine Room · Under the Hood

The biggest question in AI infrastructure right now isn’t what to build — it’s whether to build at all. We run our entire operation on a single GCP instance with MCP servers and custom pipelines at near-zero marginal cost. But that approach isn’t right for everyone.

This simulator models three scenarios — 100% SaaS/API, Hybrid with MCP servers, and Full Build — and calculates monthly costs, 3-year total cost of ownership, and break-even timelines based on your actual numbers.

Input your current marketing spend, team size, and content volume to see which infrastructure approach delivers the best ROI for your situation.

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} to { opacity: 1; } } @media (max-width: 768px) { h1 { font-size: 1.8rem; } .input-section, .content-section { padding: 25px; } .form-row { grid-template-columns: 1fr; } .scenario-comparison { grid-template-columns: 1fr; } }

AI Infrastructure ROI Simulator

Build vs Buy vs API: What’s Right for Your Team?

3 people
None Part-time (10-20 hrs/week) Full-time (40 hrs/week) Team (multiple full-time)

Your ROI Comparison

3-Year Total Cost of Ownership

Break-Even Timeline

When Full Build investment is recovered through API cost savings

Now
Month 18
36 months

Hidden Costs to Consider

Vendor Lock-in: SaaS/API providers can increase pricing or shut down services. Full Build gives you control.
Scaling Limitations: API rate limits and costs scale directly with volume. Full Build scales incrementally.
Maintenance Burden: Full Build requires ongoing updates, security patches, and infrastructure management.
Knowledge Silos: Custom systems create dependency on specific developers. SaaS is more portable.
Integration Costs: All scenarios require integration time. Full Build often requires more custom work.
Read how we built the $0 Marketing Stack →
Powered by Tygart Media | tygartmedia.com
document.getElementById(‘teamSize’).addEventListener(‘input’, function() { document.getElementById(‘teamSizeValue’).textContent = this.value; }); document.getElementById(‘roiForm’).addEventListener(‘submit’, function(e) { e.preventDefault(); const budget = parseFloat(document.getElementById(‘budget’).value); const teamSize = parseInt(document.getElementById(‘teamSize’).value); const contentVolume = parseInt(document.getElementById(‘contentVolume’).value); const toolsCost = parseFloat(document.getElementById(‘toolsCost’).value); const devCapacity = document.getElementById(‘devCapacity’).value; const scenarios = calculateScenarios(budget, teamSize, contentVolume, toolsCost, devCapacity); displayResults(scenarios); }); function calculateScenarios(budget, teamSize, contentVolume, toolsCost, devCapacity) { // Cost per article via API const costPerArticle = 0.05 * contentVolume; // rough estimate // 100% SaaS/API const saasMonthly = toolsCost + (costPerArticle * 12 / 12) + (budget * 0.05); // 5% cloud const saasAnnual = saasMonthly * 12; const saas3Year = saasAnnual * 3; // Hybrid const setupHybrid = 10000; // one-time const cloudHybrid = 75; // monthly const apiCostHybrid = costPerArticle * 12 * 0.5 / 12; // 50% reduction const devTimeHybrid = 15 * 150; // 15 hrs/mo at $150/hr const hybridMonthly = (setupHybrid / 36) + cloudHybrid + apiCostHybrid + devTimeHybrid + toolsCost; const hybridAnnual = hybridMonthly * 12; const hybrid3Year = hybridMonthly * 36; // Full Build const setupFull = 30000; // one-time const cloudFull = 250; // monthly const apiFull = costPerArticle * 12 * 0.2 / 12; // 80% reduction const devTimeFull = 30 * 150; // 30 hrs/mo at $150/hr const fullMonthly = (setupFull / 36) + cloudFull + apiFull + devTimeFull + toolsCost; const fullAnnual = fullMonthly * 12; const full3Year = fullMonthly * 36; // Break-even let breakEvenMonth = 0; for (let month = 1; month <= 36; month++) { const saasTotal = saasMonthly * month; const fullTotal = fullMonthly * month; if (fullTotal < saasTotal) { breakEvenMonth = month; break; } } if (breakEvenMonth === 0) breakEvenMonth = 36; return { saas: { monthly: saasMonthly, annual: saasAnnual, threeYear: saas3Year, setup: 0 }, hybrid: { monthly: hybridMonthly, annual: hybridAnnual, threeYear: hybrid3Year, setup: setupHybrid }, full: { monthly: fullMonthly, annual: fullAnnual, threeYear: full3Year, setup: setupFull }, breakEvenMonth: breakEvenMonth, devCapacity: devCapacity }; } function displayResults(scenarios) { // Scenario cards const scenarioHTML = `
100% SaaS/API
API Costs $${(scenarios.saas.monthly * 0.1).toFixed(0)}/mo
Tool Subscriptions $500/mo
Developer Time $0/mo
Monthly Total $${scenarios.saas.monthly.toFixed(0)}
Annual Cost
$${(scenarios.saas.annual).toFixed(0)}
Hybrid (Some MCP)
Setup (1-time) $${scenarios.hybrid.setup.toFixed(0)}
Cloud Infrastructure $75/mo
API Costs (50% saved) $${(scenarios.hybrid.monthly * 0.08).toFixed(0)}/mo
Dev Maintenance $2,250/mo
Monthly Total $${scenarios.hybrid.monthly.toFixed(0)}
Annual Cost
$${(scenarios.hybrid.annual).toFixed(0)}
Full Build
Setup (1-time) $${scenarios.full.setup.toFixed(0)}
Cloud Infrastructure $250/mo
API Costs (80% saved) $${(scenarios.full.monthly * 0.04).toFixed(0)}/mo
Dev Maintenance $4,500/mo
Monthly Total $${scenarios.full.monthly.toFixed(0)}
Annual Cost
$${(scenarios.full.annual).toFixed(0)}
`; document.getElementById(‘scenarioComparison’).innerHTML = scenarioHTML; // 3-year bars const maxValue = Math.max(scenarios.saas.threeYear, scenarios.hybrid.threeYear, scenarios.full.threeYear); const barsHTML = `
SaaS/API
$${(scenarios.saas.threeYear).toFixed(0)}
Hybrid
$${(scenarios.hybrid.threeYear).toFixed(0)}
Full Build
$${(scenarios.full.threeYear).toFixed(0)}
`; document.getElementById(‘comparisonBars’).innerHTML = barsHTML; // Timeline const marker2Pos = (scenarios.breakEvenMonth / 36) * 100; document.getElementById(‘marker2’).style.left = marker2Pos + ‘%’; document.getElementById(‘marker2’).classList.add(‘reached’); document.getElementById(‘breakEvenLabel’).textContent = `Month ${scenarios.breakEvenMonth}`; // Recommendation let recommendation = ”; if (scenarios.saas.threeYear < scenarios.hybrid.threeYear) { recommendation = `

Recommendation: SaaS/API Approach

For your current scale, SaaS/API is the most cost-effective solution. You benefit from:

  • No upfront infrastructure costs
  • Minimal maintenance overhead
  • Easy scaling as your team grows
  • Access to latest AI models automatically

Action: Start with Claude API, ChatGPT API, and managed tools to validate your workflows before investing in infrastructure.

`; } else if (scenarios.hybrid.threeYear < scenarios.full.threeYear) { recommendation = `

Recommendation: Hybrid Approach

You have enough volume to justify some custom infrastructure. A hybrid approach:

  • Reduces API costs by ~50%
  • Requires only part-time development
  • Provides flexibility with MCP servers
  • Balances control with simplicity

Action: Set up a small GCP VM with MCP servers for high-volume workloads while keeping SaaS for specialized tasks.

`; } else { recommendation = `

Recommendation: Full Build

Your volume justifies full infrastructure investment. Full Build offers:

  • Maximum cost savings at scale
  • Complete control and customization
  • Zero vendor lock-in
  • Lowest operating costs at 3+ years

Action: Invest in a full infrastructure stack with dedicated development resources. Break-even occurs in ~${scenarios.breakEvenMonth} months.

`; } document.getElementById(‘recommendationBox’).innerHTML = recommendation; document.getElementById(‘resultsContainer’).classList.add(‘visible’); document.getElementById(‘resultsContainer’).scrollIntoView({ behavior: ‘smooth’ }); } { “@context”: “https://schema.org”, “@type”: “Article”, “headline”: “AI Infrastructure ROI Simulator: Build vs Buy vs API”, “description”: “Calculate the 3-year total cost of ownership for three AI infrastructure approaches: 100% SaaS, Hybrid with MCP servers, or Full Build.”, “datePublished”: “2026-04-01”, “dateModified”: “2026-04-03”, “author”: { “@type”: “Person”, “name”: “Will Tygart”, “url”: “https://tygartmedia.com/about” }, “publisher”: { “@type”: “Organization”, “name”: “Tygart Media”, “url”: “https://tygartmedia.com”, “logo”: { “@type”: “ImageObject”, “url”: “https://tygartmedia.com/wp-content/uploads/tygart-media-logo.png” } }, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://tygartmedia.com/ai-infrastructure-roi-simulator/” } }

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