The build price gets published and compared. The bill that arrives every year afterwards does not, and that is where the awkward lines live: a domain in somebody else’s name, a licence nobody renewed, card fees bigger than everything else together. Here is every line, three worked annual totals, and how to tell a care plan from a rental.
Care plans £65–£295/mo
Or £65/hr, no minimum
Brochure site: about £180 a year
Every account in your name
The short answer, then the workings
A five-page brochure site nobody edits costs about £180 a year: domain, modest hosting, one mailbox. A WordPress site three people edit is roughly £768 before anyone is paid to maintain it. A shop taking £15,000 a month runs to several thousand, mostly card fees.
These are the ranges I see setting these accounts up, not a survey, and every third-party figure moves. Check any line that changes your decision. Add VAT to most of it: if you are not registered, that 20% is a real cost rather than paperwork. Mine carries none, as noted on the facts page.
Every line on the annual bill
Nine lines, and most sites need six. The figures are ranges I see rather than a survey, and worth checking on the day. The largest is at the bottom, because almost nobody writing about running costs includes it at all.
Domain renewal
£8 to £15 a year for a .co.uk, £12 to £20 for a .com. Check the registrant is your business and auto-renew is on.
Hosting
Nothing to £60 a month, the widest spread on the bill, and usually chosen by whoever built the site rather than whoever pays for it.
SSL certificate
Nothing. Let’s Encrypt issues them free and every decent host renews them automatically, so an SSL charge on a small site is worth querying.
Email hosting
£5 to £8 per mailbox a month, so £60 to £96 a year each. Mail bundled with hosting is free, and I would still move you off it: one server, two kinds of outage.
Backups
Included in decent hosting and in all three care plans. Separately, £4 to £10 a month. The restore is what matters, not the backup.
Plugin and theme licences
£30 to £100 a year each. What expires is the licence, not the plugin: the code carries on working and the security updates stop.
Updates and maintenance
WordPress core, plugins, PHP. Twenty minutes a month when nothing breaks, half a day when something does. Bought in, £30 to £150 a month.
Security monitoring
Uptime checks are effectively free. A managed firewall and malware service is £5 to £25 a month, justified on WordPress and on anything taking payments.
Payment processing
The biggest line by a distance if you sell. Stripe’s published UK rate as I write this is 1.5% plus 20p on a standard UK card, more for European and international ones. These move: read theirs, not mine.
Hosting bands, and what each one buys
The band matters more than the brand, and this is the line where saving money costs money. It shows up as a slow server response rather than on the invoice.
Free
Genuinely free for a static site, and quicker than most paid hosting. It cannot run WordPress, and some tiers are licensed for personal projects only, so read that clause.
£3 to £8 a month
Budget shared hosting, often hundreds of sites to a machine. Fine for a small brochure site, and the commonest cause of the slow server responses I find in a Core Web Vitals audit.
£10 to £30 a month
Decent shared hosting, or entry managed WordPress. Server-level caching, a PHP version you can change, support that knows WordPress. Where most small business sites belong.
£25 to £60 a month
Proper managed WordPress: staging, object caching, daily offsite backups, support that reads your error log. Hosting sits inside all three of my care tiers.
A care plan and a rental are not the same product
A care plan is a service bought on top of something you already own: the domain registered to you, the hosting in your name with your card on it, the code in your repository. The plan can stop without the site stopping. Cancel it and you lose me, not the website.
A website from £99 a month is usually a rental, and the arithmetic says so before anyone admits it. A fee that size cannot fund a build and then let you walk off with it, so the site is the security on the fee. That is not a scam. The problem is that hardly anybody is told which of the two they bought.
Do the sum honestly, because it does not flatter me. £99 a month for three years is £3,564 and you own nothing. The same site built by me at £1,950 with the smallest care plan is £4,290. The rental is cheaper, and I would rather say so. The lines cross in month 58: by five years it is £5,940 against £5,850, and you own something you can take anywhere.
Six checks that tell you which one you have
Five of the six are answerable this afternoon on a site you already have. Somebody running a service answers them without flinching.
01
The registrant on the domain
A WHOIS lookup takes ten seconds. Nominet publishes the registrant on a .co.uk registered to a business; a .com is usually redacted, and a registrar privacy service hides either. It should be your business, on an email address you control, and a hidden record is a fair thing to ask about.
02
The name on the hosting account
Not whether you have a login. Whether you can see the invoices, change the card and cancel it yourself. A user inside a reseller account feels the same until it matters.
03
Whether you can export today
Ask this week, no reason given, for the database and files, or the repository. A service sends them. A rental asks why.
04
The minimum term, and what follows it
Twelve, twenty-four and thirty-six month terms are the ones I keep running into. Ask what the fee becomes afterwards: if it does not change, you have finished paying for a build that is not yours.
05
What stops if you stop paying
The single most useful question here. If the site comes down it is a rental, at any monthly figure. If it stays up and you take over the hosting bill, it is a service.
06
Whose invoice the licences are on
Plugin licences, the analytics property, the Google Business Profile. On your provider’s account, your updates depend on somebody else’s card not expiring. This one bites when a provider retires.
Three worked annual totals
Every input is written down so you can take the sum apart. First a five-page brochure site nobody edits.
Domain
£12 a year, on auto-renew.
Hosting
£8 a month, £96, or nothing if the site is static files.
SSL and backups
Free, and inside the hosting.
One mailbox
£6 a month, £72.
Annual total
£180, that low because nobody is touching the site. On the Essential plan at £65 a month it is £864, with hosting, updates, backups and monitoring inside.
£20 a month of entry managed WordPress, £240. A £5 shared box will run this and will not run it quickly.
Licences
Premium plugins, four of them at about £75 a year: £300. Forms, custom fields, caching, backups.
Maintenance
Nothing in cash if you do it, and about five hours a year of attention. Hourly with me, £65, no minimum. On the Standard plan, £145 a month, £1,740, hosting included.
Annual total
£768 doing your own updates, £2,268 on the Standard plan. The gap is a decision about whose Tuesday afternoon it is.
Then a shop, on the same inputs as the platform comparison elsewhere on this site.
Turnover
£15,000 a month at an average order of £60, so £180,000 and 3,000 orders a year.
Card fees
1.5% of £180,000 is £2,700, and 3,000 transactions at 20p is £600. £3,300, an effective 1.83%.
Hosting
£30 a month, £360. A cart differs for every visitor, so a shop cannot be full-page cached.
Everything else
£12 of domain, £216 of mailboxes, and £400 of extension renewals, four at £100 a year: shipping, a payment gateway, subscriptions and backups.
Annual total
£4,288 self-managed, £7,468 on the Managed plan at £295 a month. Card fees are £3,300 of either: 77% of the first, 44% of the second.
Look at where that money goes. The biggest running cost a small shop has is the payment processor. Switching provider is the main lever, and it moves the rate by fractions of a percent, so everything a developer affects is the smaller half of the bill.
My own position, and why the accounts are yours
Care plans are £65, £145 and £295 a month, covering hosting, SSL, updates, offsite backups, monitoring and a change allowance. Or hourly at £65 with no minimum. Plenty of clients take neither: hosting, a domain and two hours of my time a year is about £238.
Every hosting account, domain and licence goes in your name, billed at cost. That is a safety decision about a one-person business rather than generosity: if I am ill, or busy, or you hire somebody better, nothing expires because I stopped paying for it. A studio holding your accounts has made itself hard to leave.
The one-off figure and what moves it is on how much a website costs in the UK, and every price I charge is on pricing. To judge whether the site you have is worth spending any of this on, score it out of 100 first. No email address required.
Questions people actually ask
Is hosting included in your care plans?
Yes, at all three tiers, along with SSL, updates, offsite backups and uptime monitoring. The hosting account is in your name with your card on it, so cancelling the plan does not take the site down: you carry on paying the host directly and nothing stops working. Domains and plugin licences sit outside the plan, billed at cost in your name, because a licence on my invoice is a licence that expires when I stop paying it.
What is the cheapest way to keep a small website online?
A static site on a free hosting tier with a £12 domain, so roughly £12 a year plus a mailbox if you need one. That is genuinely available and I will build one that way when it suits the site. What you do not get is anybody watching it, updating it, or having a plan for the week something breaks. For a five-page brochure site that is often a fair trade, and I would rather say so than sell you a plan you do not need.
Should I be charged separately for an SSL certificate?
Almost certainly not. Let’s Encrypt issues certificates free and every host worth using installs and renews them automatically. Paid certificates are a real product with real uses, mainly organisation validation for larger companies that want their registered name inside the certificate, and none of those uses applies to an ordinary small business website. If SSL is a separate annual line on your invoice, ask which kind you are buying. The answer tells you a good deal about the rest of the bill.
Why is the payment processor my biggest running cost?
Because it is a percentage of everything you sell and nothing else on the bill is. On £180,000 a year through a checkout, card fees at a published UK rate of about 1.5% plus 20p an order come to roughly £3,300, which is more than hosting, licences and maintenance put together. Very little can be done about it. Raising your average order value shaves the pence per transaction, and processors will discuss custom rates at volumes well above that one.
Can I leave a care plan?
Yes, in writing, with no notice-period games. The hosting account, the domain and the code are already yours, so leaving means I stop being the person who looks after them rather than the site going anywhere. I hand over documentation, the repository and any access you do not already have. If you are going because something went wrong I would rather hear why, but the answer is the same either way. A plan you cannot leave is not a service.
How do I check the domain is actually mine?
Run a WHOIS lookup on it. For a .co.uk, Nominet publishes the registrant; for most other extensions the registrar does. You want your own business name against an email address you control. If it shows your web company instead, ask for a transfer in writing before anything else on this page matters. Transfers are routine, usually free, and take a few days. A provider who will not do one has told you what kind of arrangement you are in.
Do you host the sites you build?
Not on my own servers. I set up hosting with an established provider, in your name and on your card, and I manage it as part of a care plan if you take one. Reselling hosting would mean adding a margin to infrastructure I do not own and making myself the single point of failure for a site I might not be looking after in five years. Being straightforward to replace is a feature of a one-person studio rather than a weakness.
What does it cost to maintain WordPress myself?
About five hours a year of attention plus the licences, so call it £300 in renewals and an afternoon spread across twelve months. That is a fair choice if you are comfortable taking a backup before you press update and reading a changelog when something looks odd. The risk is not the routine month. It is the one where a plugin update breaks the contact form on a Friday and nobody notices until Monday.
Tell me what you pay now and I will tell you what is padding.
hello@madebykestrel.co.uk · replies inside one working day
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Your device
LCPMeasuring…
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How long until the main content appears. Google wants under 2.5 seconds.
INPMeasuring…
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How quickly the page answers when you tap. Under 200ms is the target.
CLSMeasuring…
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How much the layout moves while loading. Under 0.1, ideally zero.
Real numbers from your device and connection, not a screenshot of a score I chose. Nothing is sent anywhere. The measurement happens in your browser and stays there. If one of these ever reads amber on my own site, you will see it, which is rather the point. I audit these for £650.