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Imagine two companies, similar in scale and needs. One chooses an off-the-shelf solution as a budget-friendly option, while the other goes for custom development. Two years later, the first company is spending extra budget on workarounds, custom configurations, and, ultimately, migration. The second is running smoothly on the same system without significant costs, gradually expanding it to meet new demands. Calculating TCO helps anticipate these scenarios in advance. In this article, we break down what TCO is and how to properly compare custom development against off-the-shelf solutions.