What apps cost in Toronto, by type
These are fixed-scope ranges we see in the Toronto market for a first release, in Canadian dollars, including design, development, testing and store submission.
- Simple utility or content app (one platform, no login, no backend): $15,000 to $40,000.
- Business app with accounts and a backend (booking, ordering, a customer portal): $40,000 to $120,000.
- Marketplace or on-demand app (two user types, payments, real-time features): $90,000 to $250,000.
- Regulated app (fintech, healthcare, anything touching PIPEDA-sensitive data with audit requirements): $120,000 to $400,000 and up.
Cross-platform with React Native or Flutter usually lands 25 to 40 percent below building two native apps for the same scope.
Hourly rates versus fixed scope
Toronto agency rates in 2026 sit roughly between $110 and $200 per hour for senior developers, with freelancers from $60 to $130. Offshore teams quote far less per hour and often cost more per finished feature once rework and coordination are counted.
Hourly billing puts the risk on you; fixed scope puts it on the developer. We quote fixed scope for defined releases because a number you can plan around is worth more than a rate that looks cheap. The trade is that scope has to be written down first, which is a feature, not a delay.
What actually drives the cost
- Platforms. iOS only, Android only, or both, and whether cross-platform is acceptable.
- Backend. Anything with accounts, data sync, or admin tools needs a server side, which is often half the budget.
- Integrations. Payments, maps, messaging, accounting, and third-party APIs each add days to weeks.
- Design depth. A clean template-driven UI versus custom motion and illustration.
- Compliance. Privacy impact assessments, audit logs, data residency in Canada, and accessibility under AODA for Ontario-facing apps.
The costs that are not in the first quote
- Apple and Google developer accounts and the store review cycle.
- Hosting and services: cloud, push notifications, analytics, crash reporting, email and SMS.
- Maintenance: OS updates break things every year; budget 15 to 20 percent of the build cost annually.
- Legal: privacy policy, terms, and any regulatory review.
- Marketing and launch: the app store listing does not fill itself.
How to keep the number down without a worse app
- Ship one platform first if your users skew one way; Toronto consumer audiences lean iOS, trades and logistics lean Android.
- Write the first release as the smallest thing a real user would pay for, then add.
- Use proven services for auth, payments and notifications instead of building them.
- Get a fixed-scope quote from a local team you can meet, and compare it to a written scope, not a rate.