calculator · all-in monthly
Restaurant POS cost calculator
Change inputs. The headline updates live. The chit-rail under it shows Toast, SpotOn, Square for Restaurants and Clover on the same numbers.
all-day · expo screen
$3,037/mo
Toast all-in. 4 terminals, $80,000 monthly card volume, full-service.
Hardware
SaaS
Processing
Chit-rail · 4 vendor compare on the same inputs · color = price tier
Square for RestaurantsBEST
$2,490/mo
SaaS $40 · Hardware $0 · Processing $2,450
ToastHIGH
$3,037/mo
SaaS $326 · Hardware $156 · Processing $2,535
+ $80 VSF (10bps, Mar 2026)
Color scale: green = at or below cheapest +5% · amber = middle band · red = most expensive. Same scale on vendor cards and compare pages. How we score it.
How the math works
Every line is a primary-source rate. We never invent a quote-only vendor's number.
- SaaS + per-terminal: vendor list price, multiplied by terminal count, plus KDS per screen, plus online ordering if enabled. Toast pricing · 2026-06-20
- Hardware: 36-month financing on bundles where vendor publishes; cash purchase amortised over 36 months for apples-to-apples compare. Toast hardware · 2026-06-20
- Processing: card-present share × CP rate + card-not-present share × CNP rate, plus per-txn fixed at txn count = volume / average ticket. Square fees · 2026-06-20
- Hidden fees: PCI compliance + statement fee. Toast: plus 10bps Volume Subscription Fee on processed volume. Toast VSF · 2026-06-20
3-year and 5-year TCO
TCO assumes 3% YoY processing escalation and one hardware refresh at year 4. Quote-shopping a single year hides the year-4 hardware refresh and the compounding processing line. The 5-year number is the honest buy lens.