Indie SaaS
For solo or 2-person bootstrapped SaaS — productize-your-skill style. Optimised for low fixed costs and predictable bills.
Enterprise B2B
For B2B SaaS with $30K+ ACV deals where SOC 2, SAML SSO, audit logs, and procurement are line items in every contract.
Indie SaaS vs Enterprise B2B
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
Indie SaaS is cheaper by ~$55,800/yr (≈ ₹47,43,000/yr at ₹85/USD).
Tool overlap
0 tools shared between both stacks · 11 unique to Indie SaaS · 12 unique to Enterprise B2B.
Best card for each stack
Modelled at each stack's midpoint USD spend, targeted at Indian residents.
EXPRESS
Amex Hilton Honors
No-fx US card — pay USD with USD, zero markup; 3% rewards on engineering spend
EXPRESS
Amex Business Platinum
No-fx US card — pay USD with USD, zero markup; Business card — engineering subscriptions count as business 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, Indie SaaS or Enterprise B2B?
Indie SaaS is the cheaper of the two — modelled at $100/mo midpoint vs $4750/mo for Enterprise B2B. Annual delta: ~$55,800 which becomes ~₹47,43,000 at ₹85/USD.
›Can I migrate from the Indie SaaS stack to the Enterprise B2B stack?
Yes, in stages. The shared layers (none) require no migration. The divergent layers need 12 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 $100/mo, Indie SaaS loses ~₹3,570/yr to default 3.5% forex; Enterprise B2B loses ~₹1,69,575/yr. Switch to a low-forex card to recover most of it.