Enterprise B2B
For B2B SaaS with $30K+ ACV deals where SOC 2, SAML SSO, audit logs, and procurement are line items in every contract.
Agency Toolkit
For design + dev agencies (5-25 staff) running multiple client projects in parallel. Optimised for client deliverables and per-project P&L.
Enterprise B2B vs Agency Toolkit
Both are defensible answers. The right one depends on your scale, your spend tier, and whether you're optimising for monthly burn or for "ships SOC 2 in Q3."
Monthly burn
Agency Toolkit is cheaper by ~$50,400/yr (≈ ₹42,84,000/yr at ₹85/USD).
Best card for each stack
Modelled at each stack's midpoint USD spend, targeted at Indian residents.
EXPRESS
Amex Business Platinum
No-fx US card — pay USD with USD, zero markup; Business card — engineering subscriptions count as business spend
EXPRESS
Amex Hilton Honors
No-fx US card — pay USD with USD, zero markup; 3% rewards on engineering spend
Run the math on either stack
Open the cost calculator with one of these stacks pre-loaded. Tweak it for your actual subscriptions. Get the card recommendation for your modified stack.
FAQ
›Which is cheaper to run, Enterprise B2B or Agency Toolkit?
Agency Toolkit is the cheaper of the two — modelled at $550/mo midpoint vs $4750/mo for Enterprise B2B. Annual delta: ~$50,400 which becomes ~₹42,84,000 at ₹85/USD.
›Can I migrate from the Enterprise B2B stack to the Agency Toolkit stack?
Yes, in stages. The shared layers (vercel, slack, zoom) require no migration. The divergent layers need 9 tool migrations — budget 2-4 weeks for non-trivial production swaps. Don't migrate during a launch quarter.
›Which stack is better for an Indian founder?
Both are usable. The forex tax on USD-billed tools matters for Indian founders — at $4750/mo, Enterprise B2B loses ~₹1,69,575/yr to default 3.5% forex; Agency Toolkit loses ~₹19,635/yr. Switch to a low-forex card to recover most of it.