It’s true, technology is expensive. Off-the-shelf SaaS solutions have low upfront costs (often in a user-based subscription cost model), but costs increase with users and features as you grow. Like renting a house or apartment, all of the money you put into SaaS is money lost.
Contrastingly, custom solutions have higher upfront costs to build the software, but once it is built, it is yours to use without subscriptions or user limitations. Like owning a home, the money you put in is money invested in an asset that is yours to use.
So, when comparing custom software to SaaS, you have to decide if the short-term costs are worth the long-term benefits.