Total Cost of Ownership: SaaS vs On-premise Software Any total cost of ownership (TCO) analysis will cover acquisition, operating and personnel costs.

Ownership goes beyond a purchase price. Ask any commercial property owner. Initial closing costs include variable escrow fees, property taxes, attorney fees, title search, commission, et al. In the following months and years, to keep the property in top condition, owners will have regular property maintenance costs, unanticipated repairs and upgrades.