Financial Modeling
LMS Total Cost of Ownership (TCO) Calculator
True learning software costs extend far beyond the initial subscription price tag.
While self-hosted platforms advertise "free" licenses, they hide thousands in ongoing cloud hosting, security patching, and plugin maintenance. Banded SaaS tools trap you in phantom seat tiers. Personal Academy eliminates both with one published price per active user (from $1) and zero infrastructure overhead.
60 Seats
Recommended
Personal Academy
… / year
Basic on an annual plan, priced per active user. Includes SAML SSO, SCIM, Postgres RLS, and managed cloud.
Zero infrastructure overhead
Banded SaaS
TalentLMS Core/Grow
$2,748 / year
Forces plan upgrades at seat thresholds (40, 70, 100), even though SSO/SCIM are included from the entry tier.
A whole bracket step for your 41st user
Self-Hosted
Moodle (Free License)
$9,000 / year
$0 software license, but requires AWS cloud servers, database backups, PHP security patching, and DevOps maintenance.
Requires dedicated technical ops