Technical Debt Cost Calculator
Calculate maintenance costs based on industry research with proper academic disclaimers.
⚠️ What We're Actually Measuring
The Stripe 2018 study measures "toil, bad code, and maintenance" - not just technical debt. This includes all maintenance activities, not pure technical debt.
Use these numbers as benchmarks for total maintenance burden, not absolutes for technical debt specifically.
Number of developers on your team
Average developer salary including benefits
Results will appear here after calculating costs.
Domain Context (Synthesized from Research)
Rios et al. (2018) reviewed 362 primary studies. While they don't provide exact percentage bands, the studies suggest general patterns:
- Embedded systems: Generally lower technical debt burden (more constrained, tested systems)
- Web applications: Moderate technical debt burden (rapid iteration, varying quality practices)
- Financial services: Often higher technical debt burden (legacy systems, regulatory constraints)
Disclaimer: These are general patterns synthesized from multiple studies, not specific percentages from the paper.
Use this calculator to ground technical debt conversations in real dollars. Start with Stripe’s industry benchmark, compare it to high-performing teams, and then layer in optional SQALE estimates to quantify remediation work with transparent citations.
When the calculator shows meaningful savings, treat it as the input to your capacity plan. Feed those dollars into the capacity-led roadmapping guide to baseline discovery vs. delivery work and prove how steady maintenance investment keeps roadmap commitments honest.
Translate the 42% maintenance signal into budget impact
Stripe’s 2018 Developer Coefficient survey remains the most widely cited benchmark for maintenance burden: teams reported losing 42% of capacity to toil, bad code, and ongoing upkeep. This calculator uses that signal as the global average and contrasts it with the 33% level observed among the strongest performers. By entering headcount and fully-loaded salary, engineering and finance leaders can align on the real monthly and annual cost of carrying that maintenance load.
The output is not a guilt-inducing vanity metric. It quantifies the opportunity cost of under-investing in the foundations. Use the delta between 42% and 33% to show how many roadmap slots you can recover and what that unlocks for committed work.
What to do with the savings
Channel reclaimed dollars into a shared capacity model
Reclaiming nine percentage points of engineering time is roughly the same as adding one extra teammate for every eleven engineers you already have. When you show stakeholders that reclaimed capacity in a roadmap scenario, the debt conversation becomes a planning exercise—not a plea for permission.
- Export your calculator results so finance sees the budget impact.
- Drop the savings into the ScopeCone capacity planner to baseline discovery vs. delivery crews.
- Share committed/target/stretch scenarios that prove how a steady maintenance cadence keeps roadmap promises realistic.
Start with the capacity-led roadmapping guide to calibrate your first model. It takes ten minutes with the demo data.
Worked example: 18 engineers supporting a scaled product
Load the sample data to see a realistic scenario for a late-stage SaaS team. With 18 engineers at an average fully-loaded salary of $145k, the model estimates a $912k annual maintenance budget at the global 42% benchmark. Best-in-class teams would trim that to roughly $717k, unlocking nearly $200k per year that could be redeployed into roadmap work.
Toggle the SQALE view to layer in static-analysis violations and an hourly remediation rate. That extension translates code-quality hotspots into a backlog of hours and dollars so you can discuss remediation plans with finance in their own language.
How to use SQALE remediation numbers responsibly
SQALE provides the formula for estimating remediation effort, but the default hour multipliers ship from SonarQube, not academia. Treat them as starting points: calibrate the coefficients with your historical fix data, adjust for language and architecture differences, and socialise the assumptions with the teams doing the work.
The calculator calls this out explicitly so stakeholders understand that remediation numbers are directional, not gospel. Use them to compare “what if” scenarios and to frame the trade-off between maintenance budgets and new product capacity.
Citations
- Stripe – The Developer Coefficient (2018)
Primary source for the 42% maintenance burden benchmark used in this calculator.
- Rios et al. – A systematic literature review on technical debt
Academic synthesis of 362 studies that highlights how technical debt manifests across domains.
- Letouzey – The SQALE Method (2012)
Defines the remediation scoring model we adapt when estimating SQALE-based clean-up costs.
Related reading
- Capacity-led roadmapping guide
Build the shared capacity model that turns maintenance savings into realistic scenarios.
- How to calculate technical debt: 5 methods compared
Comprehensive guide comparing cost-based, TDR, automated tools, velocity impact, and manual estimation methods.
- The true cost of technical debt
Research-backed narrative you can share with executives to explain the maintenance burden.
- Engineering metrics: a pragmatic analysis
Context for how maintenance signals align with delivery metrics like MTTR and cycle time.
- Monte Carlo forecasting tool
Forecast delivery timelines so you can trade maintenance capacity against roadmap ambitions.
Frequently Asked Questions
Questions we hear from teams evaluating this tool for their roadmap and estimation workflow.
Does the 42% figure represent pure technical debt?
No. Stripe measured the combined burden of toil, bad code, and ongoing maintenance work. Use the delta between 42% and 33% to have a business conversation about improving the overall maintenance budget, not to claim that 42% of time is wasted on debt alone.
How should I estimate fully-loaded salary?
Use total compensation including benefits, taxes, equipment, and tooling. Finance teams often provide a loaded cost multiplier—apply it here so the output aligns with budgeting models.
Can I customise the maintenance benchmarks?
Yes. Adjust the percentages in the download, or fork the component to plug in domain-specific benchmarks (for example, 30% for embedded systems or 50% for legacy financial services). The UI keeps Stripe’s numbers visible to preserve citation accuracy.
What if I only want to model pure technical debt?
Use the SQALE panel with calibrated multipliers to focus exclusively on refactoring work. You can also collect time-tracking data for debt epics and update the maintenance percentage to reflect only that slice of work.
How often should we update these inputs?
Refresh the model quarterly. Update headcount, salary assumptions, and SQALE metrics after each major remediation effort so leadership sees the impact of investment over time.
Will this integrate with ScopeCone’s product in the future?
That’s the goal. The experiment helps us validate the UX and data model before wiring it into the live roadmap experience. Share feedback so we can shape the production feature together.
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