Next.js 15 + Postgres 16 + Clerk + Stripe + Vercel: our default. One committed pick per layer, no 'it depends'. Infra $40-$60/mo at MVP scale. 80+ products shipped.
15-country hourly rate table (junior to AI-ML). US $100-$250/hr, India $15-$65/hr, Poland $50-$110/hr. AI/ML premium +30-90%. TCO framework, timezone matrix.
$8K-$180K actual costs from 5 anonymized SaaS builds: B2B analytics, fintech MVP, healthcare, marketplace, internal-ops. Team sizes, 8-16 week timelines, what went wrong.
Offshore AI rates: $15-$25/hr India, $40-$85/hr LATAM, $100-$180/hr US. 7-stage vetting, top 8 countries ranked, engagement-model matrix. From 80+ shipped products.
Offshore vs nearshore vs onshore development compared. Real rates, time zone trade-offs, talent pools, and a decision framework for founders. 2026 data.
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