{"head":{"title":"Fintech App Development Cost Calculator | OceanLab","description":"Estimate what a fintech app costs: KYC onboarding, a ledger, bank linking, cards or transfers, fraud rules and reconciliation. Editable hours and rates.","canonical":"https://oceanlab.in/tools/fintech-app-cost"},"tool":{"slug":"fintech-app-cost","path":"/tools/fintech-app-cost","name":"Fintech app cost","h1":"Fintech app cost calculator","lede":"Pick the money features and platforms and get a cost and timeline range, with what cutting each feature would save.","category":"industry","categoryTitle":"Health, fintech and business software","method":["The estimate starts from a fintech preset: sign-in, KYC onboarding, strong authentication, bank linking, a double-entry ledger, transaction history, fraud rules, notifications, admin and an audit log, on iOS and Android. Each feature has a low and a high hour estimate for development, multiplied by the platform and design level, plus a contingency.","Design, QA and project management are added as shares of development hours, and each role's hours are multiplied by its hourly rate.","Weeks come from total hours divided by team size and productive hours per person per week.","The hour ranges are OceanLab planning assumptions, not market benchmarks. Edit any of them in the assumptions panel."],"sources":[],"faq":[{"question":"Are partner fees included?","answer":"No. KYC checks, card issuing and banking-as-a-service fees are running costs. The KYC cost per check tool prices identity checks from published plans."},{"question":"Why a ledger?","answer":"Balances that come from a double-entry ledger can be reconciled and audited. Most money apps need one even when a partner bank holds the funds."},{"question":"Which hourly rates does it use?","answer":"Default rates are OceanLab's own: $50 an hour for engineering, $45 for design, $40 for project management and $30 for QA. Change any of them to the rates you have been quoted."},{"question":"Is anything I enter sent anywhere?","answer":"No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab."}],"updatedAt":"2026-10-25"},"related":[{"href":"/tools/kyc-cost-per-check","label":"KYC cost per check","detail":"Enter how many customers you verify each month and compare published KYC plans, minimums and the cost per customer you actually onboard."},{"href":"/tools/payment-processing-fee-calculator","label":"Payment processing fees","detail":"Enter your monthly card payments and compare what each processor's published US rate would cost, and what to charge to receive a set amount."},{"href":"/tools/pci-dss-saq-picker","label":"PCI DSS SAQ picker","detail":"Say how you take card payments and see which PCI DSS self-assessment questionnaire likely fits, and why."}],"studies":[{"meta":{"slug":"tarang","industry":"banking","projectType":"Consumer lending app","country":"in","tags":["fintech","enterprise"],"compliances":["RBI Digital Lending Directions 2025","RBI KYC Master Direction","RBI penal charges circular 2023","DPDP Act 2023","Account Aggregator framework","NPCI e-mandates"],"cover":{"src":"/case-studies/tarang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tarang - Instant Personal Loan App and Lending Operations Console","description":"Designed a personal loan app and operations console for an RBI-registered NBFC: borrowers apply, complete KYC, share bank data, sign the Key Fact Statement and receive funds in minutes, while credit, KYC and operations teams review referred applications against a versioned rule set.","category":"FinTech / Consumer Lending","client":"Aranya Finance Ltd"}}},{"meta":{"slug":"keystep","industry":"banking","projectType":"Digital bank onboarding","country":"ie","tags":["fintech","mobile","saas","enterprise"],"compliances":["EU AML Directives","CJA 2010 (Ireland)","EBA/GL/2022/15","EU sanctions","CRS / FATCA","GDPR","Payment Accounts Directive","Consumer Protection Code","PSD2 SCA"],"cover":{"src":"/case-studies/keystep/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review","description":"An onboarding platform for an Irish digital bank: applicants open a EUR current account from their phone with ID and selfie liveness checks, and a staff console lets onboarding and financial crime teams review the cases the rules cannot decide, through to an issued Irish IBAN.","category":"FinTech / Digital Banking","client":"Corrib Bank"}}},{"meta":{"slug":"bangul","industry":"personal-finance","projectType":"Savings goals & round-ups","country":"kr","tags":["fintech"],"compliances":["Credit Information Use and Protection Act (MyData)","Real Name Financial Transactions Act","PIPA","Electronic Financial Transactions Act","Financial Consumer Protection Act","KDIC deposit protection","Network Act (advertising consent)","Telecommunications Fraud Refund Act"],"cover":{"src":"/case-studies/bangul/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Bangul - Savings Goals and Round-Ups App with Bank-Held Savings","description":"Designed and built a clickable savings app for a Seoul fintech with a MyData licence: customers set goals, switch on round-ups, payday, weekly, guilty pleasure, rainy day and challenge rules, and see every won their rules move into a savings pocket held in their name at a partner bank.","category":"Personal Finance / Savings Goals & Round-Ups","client":"Onmaru Labs"}}},{"meta":{"slug":"prego","industry":"wealth","projectType":"Stock & ETF trading app","country":"br","tags":["fintech","tax"],"compliances":["Resolução CVM 35","Resolução CVM 30 (suitability)","Resolução CVM 50 and Law 9.613/1998 (AML)","Resolução CVM 20 (research)","Income tax on stock gains (DARF 6015)","LGPD","FATCA"],"cover":{"src":"/case-studies/prego/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Pregão - Stock and ETF Trading App with the Income Tax Explained","description":"Designed and built a clickable investor app for a Brazilian broker trading B3 stocks and ETFs: patrimônio at a glance, a market overview, an asset page with an order ticket that shows the lot and fractional split before sending, a portfolio at average price, and a tax centre that works out the monthly DARF.","category":"Wealth & Investing / Stock & ETF Trading","client":"Aroeira Investimentos"}}},{"meta":{"slug":"quartet","industry":"banking","projectType":"BNPL checkout","country":"au","tags":["fintech","enterprise","saas"],"compliances":["NCCP Act 2009","National Credit Code","ASIC RG 271","Design and distribution obligations","Privacy Act 1988 (Part IIIA)","Privacy (Credit Reporting) Code","AML/CTF Act 2006","PCI DSS SAQ A"],"cover":{"src":"/case-studies/quartet/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Quartet - Buy Now, Pay Later Platform with an Ops Console for Credit, Risk and Hardship","description":"Designed and built a clickable ops console for an Australian buy now, pay later lender that splits online purchases of AUD 50 to AUD 3,000 into 4 or 8 fortnightly instalments: the health of the book, customer records, the fraud and referral queue and hardship cases with their regulatory deadlines.","category":"Banking / Buy Now, Pay Later","client":"Kestrel Point Credit"}}}],"more":[{"href":"/case-studies/industry/banking","label":"Banking & lending case studies","detail":"Every OceanLab product build in Banking & lending."},{"href":"/case-studies/industry/personal-finance","label":"Personal finance case studies","detail":"Every OceanLab product build in Personal finance."},{"href":"/case-studies/industry/payments","label":"Payments case studies","detail":"Every OceanLab product build in Payments."},{"href":"/case-studies","label":"All case studies","detail":"Every OceanLab product build."},{"href":"/ai-automation","label":"AI automation","detail":"AI built into real business workflows, with people in charge."}],"today":"2026-10-25"}