Estimate the cost, timeline and team for a digital wallet, payments app, neobank, lending or investment platform in four short steps. KYC, PCI DSS and fraud controls are part of the numbers, and the guide below the calculator shows how each one is worked out.
Typical prices by complexity, how the estimate above is calculated, and answers to the questions clients ask us most.
Typical Aalpha prices for three common project types, next to what a US agency usually charges for the same hours.
| Complexity | Typical scope | Aalpha | Timeline | US agency |
|---|---|---|---|---|
| Personal finance app | Budgeting, savings goals and bank account aggregation with secure login | $10,000 – $16,500 | 7–9 weeks | $65,000 – $117,500 |
| Digital wallet or payments app | Wallet, P2P transfers, bill and QR payments, KYC and a back-office console | $18,500 – $31,000 | 10–12 weeks | $125,000 – $224,500 |
| Neobank | Accounts, cards, transfers, savings, ledger, fraud monitoring and banking-grade compliance | $46,000 – $76,500 | 14–17 weeks | $306,000 – $550,500 |
Estimates. The final cost depends on the scope of work we agree.
We count hours first and then price them at one blended rate. The four steps below use the options you picked in the calculator, so the numbers match your estimate.
Our engineers use AI coding assistants for scaffolding, repetitive UI, API boilerplate, unit tests and documentation. A senior engineer reviews every AI-generated change before it is merged. On our projects this cuts hands-on build time by about 40%, and your estimate includes that saving.
We don't discount discovery, architecture decisions, store release and project management, because people still do that work in full.
| Phase | Without AI | Aalpha | Saved |
|---|---|---|---|
| Discovery & planning | 62 h | 62 h | — |
| UI/UX design | 187 h | 149 h | −37 h |
| Development | 1,037 h | 622 h | −415 h |
| QA & testing | 311 h | 237 h | −75 h |
| Launch & store release | 64 h | 64 h | — |
| Project management | 166 h | 113 h | −53 h |
Six things move the price of a fintech app. Each one maps to a step in the calculator.
Interface work is about 60% of the work. A web app alongside mobile adds screens, and banking-grade platforms add several products, user types and high availability.
× 0.90 web · × 1.00 mobile · × 1.50 mobile + web · × 1.90 banking-grade
Each feature has a benchmark that covers its screens, business rules, APIs and data model. Every build includes a 160-hour foundation: architecture, environments, CI/CD and core navigation.
From 32 h (notifications) to 150 h (investing and trading)
Design is a share of build effort, because screens and states grow with features.
12% standard · 18% custom · 24% premium
Business logic, database and APIs are about 40% of scope. A banking-as-a-service partner removes some of it. Scalable architecture adds event queues and high availability.
× 0.60 managed · × 1.00 custom · × 1.40 scalable
Each financial provider (BaaS, card issuer, KYC, credit bureau, open banking) needs authentication, data mapping, reconciliation, error handling and certification testing.
40 h per integration
Financial data needs encryption, audit trails, strict access control and evidence for auditors. Card data and regulated products add PCI DSS, SOC 2 and regulator requirements.
× 1.05 standard · × 1.15 PCI DSS + privacy · × 1.25 banking-grade
The same 1,248 hours, priced at typical agency rates in each region. Only the hourly rate changes.
| Region | Typical rate | Cost for your scope | vs Aalpha | |
|---|---|---|---|---|
| Aalpha (India) | $15–$25/h | $18,500 – $31,000 | Baseline | |
| Eastern Europe | $35–$60/h | $43,500 – $75,000 | 2.4× the cost | |
| Latin America | $35–$65/h | $43,500 – $81,000 | 2.5× the cost | |
| Australia | $90–$150/h | $112,500 – $187,000 | 6.0× the cost | |
| Western Europe & UK | $70–$130/h | $87,500 – $162,000 | 5.0× the cost | |
| United States | $100–$180/h | $125,000 – $224,500 | 7.0× the cost |
Three common project types priced with the calculator. Load any of them to see the full breakdown and adjust it.
Mobile wallet with KYC, top-ups, P2P transfers, bill payments, QR payments and a back-office console.
Mobile and web banking with accounts, cards, transfers, savings pots, a ledger and fraud monitoring.
Loan applications, document upload, credit scoring, approvals and repayments, with regulatory reports.
Engineers use AI tools and a senior engineer reviews every change. The hours saved come off your estimate.
The effort benchmarks in this calculator come from 18 years of Aalpha delivery records.
You get a written scope of work, milestone billing and a demo every week.
We follow ISO 27001-aligned practices, sign NDAs and keep code in secure repositories. We have delivered GDPR and HIPAA projects.
Source code, designs and documentation are handed over to you at every milestone.
Offices in the United States, the UAE and India, with 250+ engineers in Bangalore and Hubli.
At Aalpha's rate of $15 to $25 an hour, with AI-assisted delivery, a personal finance app costs about $10,000 to $16,000, a digital wallet or payments app $19,000 to $31,000, and a neobank $46,000 to $76,000 or more. These are estimates, and the final cost depends on the scope of work we agree.
About $19,000 to $31,000 for a mobile wallet with KYC, top-ups, P2P transfers, bill and QR payments and a back-office console, built in 10 to 12 weeks.
In this calculator, PCI DSS and data privacy controls add about 15% to build effort, and banking-grade compliance with SOC 2 and regulator requirements adds about 25%. A PCI-compliant payment or card provider keeps card data out of your systems and lowers this cost. Auditor fees are separate.
Not always. Many fintechs launch through a banking-as-a-service or e-money partner that holds the licence and connect to it through APIs. The partner affects which integrations and compliance work the app needs, so we cover it in discovery.
A personal finance app takes about 7 to 9 weeks, a digital wallet 10 to 12 weeks and a neobank 3 to 4 months. Regulator or partner approvals can add calendar time.
Banking partner, KYC and card issuing fees, cloud hosting, security audits and certification, app store fees and post-launch maintenance.
You do. Source code, designs and documentation are transferred to you at every milestone, under an NDA signed before kickoff.
Have a question that isn't here? Ask our team.
Share your idea or specification. A solution architect will confirm the scope and send a fixed-price proposal with milestones. It is often lower than the range above.