BYLD Wealth — Build vs Buy Analysis

Head of Engineering Decision Dashboard | Confidential

March 2026

In-House Dev Cost (Y1)

₹1.27 Cr

4 developers, cash salary only

▼ 49% vs Yottix

Yottix Dev Cost (Y1)

₹2.50 Cr

Fixed contract, 108 features

2x our cost

Annual Savings

₹1.23 Cr

Dev cost only, common costs excluded

▲ Save 49.2%

Feature Scope

126

vs Yottix 108 features

+17% more scope

Dev Cost Comparison (Annual)

In-House

₹1.27 Cr

WINNER

Yottix

₹2.50 Cr

In-House Monthly Breakdown

Backend ×2

₹5.00L/mo

₹60L/yr

Android

₹2.50L/mo

₹30L/yr

iOS FTE

₹2.71L/mo

₹24.4L/yr

iOS Freelancer

M1-M3

₹13L

Feature Scope Breakdown

126

In-House

Shared with Yottix — 108

Our Extras — 18

Genuine Extras Include:

Markets/Stocks, eWills, Global Invest

Website, Admin Dashboard, Brand Hub

Referral Engine, Neural Bloom, Baskets

PMS/AIF, Family Office, Demo Mode

FR vs NFR Split

126

Total

Functional (FR) — 88 (70%)

Non-Functional (NFR) — 38 (30%)

Timeline & Delivery

Project Timeline — Gantt View

M10

M11

M12

In-House (4 Devs + AI) — Full Product in Phase 1

Auth + MIA Shell

KYC + Notifications

AA + Portfolio + Goals

Advisory + MF + FDs

Insurance + Loans + Mkt

BETA (3.5 mo)

Pay + Tax + Compliance

Dashboard + Web + Prod

PROD (4.5 mo)

Phase 2: Depth

Stock Trading + Tax Deep + Hindi + Referral

Phase 3: Scale

Global + Family Office + Multilingual

Yottix Labs (8-12 Devs)

Phase 1 (108 features)

5-6 months

PROD (5-6 mo)

Phase 2+ (deferred)

Timeline TBD + Extra Cost

Team & AI Velocity

Team Structure (4 Devs, Cash Only)

Head of Engineering
Architecture + AI Agent Orchestration

Backend Dev 1

Java 21 + Spring Boot 3.4

₹30L/yr

Backend Dev 2

Java 21 + Spring Boot 3.4

₹30L/yr

Android Dev

Kotlin + Jetpack Compose

₹30L/yr

iOS Dev

SwiftUI (Freelancer M1-3)

₹30-35L/yr

Common (both options): QA + PM + DevSecOps

AI Velocity Multiplier

2.5x

avg multiplier

4 Actual Developers4.0 FTE

+ AI Code Generation (2.5x)+6.0 FTE

+ AI Architecture+1.0 FTE

+ AI QA/Testing Assist+0.5 FTE

+ AI DevOps Assist+0.3 FTE

+ AI Documentation+0.5 FTE

Effective Output12.3 FTE

Evidence From This Project

297

HTML screens

40K+

Lines arch docs

B+

FAANG CTO Grade

91/100

Design audit score

Financial Deep Dive

Monthly Dev Burn — In-House (Y1)

10.75L

13.46L

M4*

10.21L

M10

10.21L

M11

10.21L

M12

*M4: iOS freelancer + FTE overlap month. Steady state: ₹10.21L/mo from M5.

3-Year Total Cost of Ownership (Dev Only)

Year	In-House	Yottix	Delta
Year 1	₹1.27 Cr	₹2.50 Cr	Save ₹1.23 Cr
Year 2	₹1.22 Cr	₹1.50 Cr	Save ₹0.28 Cr
Year 3	₹1.22 Cr	₹1.20 Cr	~Even
3-Year Total	₹3.71 Cr	₹5.20 Cr	Save ₹1.49 Cr

3-Year Dev Cost Comparison

In-House

₹3.71 Cr

-29%

Yottix

₹5.20 Cr

In-House Y2-Y3: Same team, no freelancer. Yottix Y2: maintenance contract. Y3: reduced scope.
Note: In-house builds IP + team equity. Yottix is pure expense.

Head-to-Head Comparison

Decision Matrix — In-House vs Yottix

Dev Cost (Y1)

₹1.27 Cr (cash only)

₹2.50 Cr (fixed contract)

Feature Scope

126 features — full product in Phase 1

108 P0 features (many deferred)

Time to Beta

3.5 months

N/A (no beta concept)

Time to Production

4.5 months

5-6 months

IP Ownership

100% owned from Day 1

Vendor-dependent, contract terms

Architecture Docs

40K+ lines, FAANG B+ grade

None delivered

Design System

297 screens, 91/100 audit

None (UI/UX not included)

Mobile Approach

Native (Kotlin + SwiftUI)

Unknown framework

Iteration Speed

Real-time, CEO direct access

Contract-bound change requests

Knowledge Retention

Stays in-house, compounds

Walks out when contract ends

Phase 1 Scope

Full: Insurance + Loans + FDs + Markets + Website + Dashboards

Core only — Insurance, Loans, Tax deferred to Phase 2+

Hiring Risk

Moderate (4 hires needed)

Low (turnkey team)

Track Record

New team, AI-augmented

Established (if references check out)

In-House wins 11 of 13 dimensions. Yottix wins on hiring risk and track record.

Recommendation: Build In-House

4 developers with AI agent acceleration (Claude Code + Codex + Gemini CLI) deliver the complete product in Phase 1 — not a stripped-down MVP. Insurance, loans, FDs, markets, website, dashboards, and MIA chatbot driving all flows. At half the cost, with full IP.

49%

Cost Savings (Y1)

17%

More Features

1.5mo

Faster to Prod

100%

IP Ownership

₹1.49 Cr

3-Year Savings

BYLD Wealth | Head of Engineering Analysis | March 2026 | Confidential
Cost comparison: Dev salaries only (cash, no ESOP). Common costs (QA, PM, DevSecOps, Infra, APIs) excluded — identical for both options.