My $20K/Month Tech Stack (Under $200/mo)

Tech Tools

People always ask me: "What tools do you use to run your business?"

They expect some massive list of expensive software and complicated systems.

The truth? My entire tech stack costs less than $200/month. And it generates $20,000+ consistently.

I've tried hundreds of tools over the years. Wasted thousands on unnecessary subscriptions. Spent countless hours learning platforms I never needed.

This is what survived. The tools I actually use every single day. The ones that drive real results.

No affiliate links. No sponsored content. Just the honest truth about what works.

The Core: Email Marketing ($29-49/month)

ConvertKit ($29/month for up to 1,000 subscribers)

My cost: $29/month (1,000 subscribers tier)

What I use it for: Email marketing, automation, landing pages, forms

Why this one: ConvertKit is built for creators. The automation is visual and intuitive. Setting up sequences is easy. The deliverability is excellent.

Alternatives: ActiveCampaign (more features, steeper learning curve) or MailerLite (cheaper for small lists)

Could I live without it? Absolutely not. This is the foundation of everything.

Email is 90% of my business. Without a solid email platform, nothing else matters.

I chose ConvertKit because it does exactly what I need without overwhelming me with features I'll never use.

The visual automation builder is worth the price alone. I can see my entire funnel at a glance.

Website & Hosting ($4-20/month)

WordPress + SiteGround Hosting ($4.99/month first year, then $14.99/month)

My cost: $14.99/month

What I use it for: Blog, content hub, SEO

Why this combo: WordPress is flexible, SEO-friendly, and I own everything. SiteGround is fast and reliable.

Alternatives: Ghost (cleaner, simpler) or Webflow (if you want design control)

Could I live without it? Technically yes, but I'd lose a major traffic source.

My blog drives 40% of my traffic. Every article I publish continues bringing in subscribers for years.

I use a simple theme (GeneratePress, free) and keep everything minimal. No fancy plugins. No bloat.

Landing Pages & Funnels ($97 one-time OR $47/month)

ThriveCart ($495 one-time payment)

My cost: $0/month (paid once, own forever)

What I use it for: Checkout pages, upsells, order bumps, affiliate center

Why this one: One-time payment instead of monthly subscription. Handles everything from cart to affiliate tracking.

Alternatives: Samcart ($49/month) or ClickFunnels ($147/month—way too expensive)

Could I live without it? Yes, but it would cost me money. The built-in upsells and bumps easily add 30-50% to my average cart value.

The one-time payment made this an easy decision. In two years, I've saved thousands compared to monthly funnel builders.

Plus, the built-in affiliate system means I don't need separate software to manage partners.

Content Creation ($12.99/month)

Canva Pro ($12.99/month)

My cost: $12.99/month

What I use it for: Social graphics, lead magnet covers, presentation slides, thumbnails

Why this one: Brain-dead simple. Professional results in minutes. Massive template library.

Alternatives: Adobe Creative Suite (overkill unless you're a designer) or free Canva (good enough honestly)

Could I live without it? Yes, but my content would look worse and take longer to create.

I'm not a designer. Canva makes me look like one.

Every lead magnet cover, social post, and blog header is created in Canva. Usually in under 10 minutes.

Analytics & Tracking (FREE)

Google Analytics + Google Search Console (FREE)

My cost: $0/month

What I use it for: Website traffic analysis, SEO performance, user behavior

Why these: Free, comprehensive, industry standard

Alternatives: None needed. These are the best and they're free.

Could I live without it? Technically yes, but I'd be flying blind.

I check these weekly to see:

Data-driven decisions beat guesses every time.

Link Management (FREE)

Bitly (FREE plan)

My cost: $0/month

What I use it for: Shortening links, tracking clicks, organizing campaigns

Why this one: Simple, reliable, free tier is plenty for my needs

Alternatives: Pretty Links (WordPress plugin) or Rebrandly (custom domains)

Could I live without it? Yes, but click tracking would be harder.

Social Media Management ($0-15/month)

Buffer (FREE plan) or Later ($15/month)

My cost: $0/month (using Buffer free)

What I use it for: Scheduling social media posts across platforms

Why this one: Free plan lets me schedule up to 10 posts per platform. That's enough.

Alternatives: Hootsuite (more expensive) or just post manually (time-consuming)

Could I live without it? Yes. Social media isn't my primary traffic source.

I batch-create content once a week, schedule it, and forget about it.

Social media brings in maybe 10% of my traffic, so I don't invest heavily here.

File Storage & Backup (FREE)

Google Drive (FREE - 15GB)

My cost: $0/month

What I use it for: Storing documents, lead magnets, course materials, backups

Why this one: Free, reliable, accessible everywhere

Alternatives: Dropbox (better sync) or OneDrive (if you use Microsoft)

Could I live without it? Need SOME cloud storage. Google Drive is free and works great.

Communication ($0/month)

Gmail (FREE)

My cost: $0/month

What I use it for: All business email

Why this one: Free, reliable, integrates with everything

Alternatives: Google Workspace ($6/month for professional email domain)

Could I live without it? Need email. Gmail is free and excellent.

Payment Processing (2.9% + $0.30 per transaction)

Stripe (Pay per transaction)

My cost: ~$400/month in fees (on $20K revenue = 2%)

What I use it for: Processing credit card payments

Why this one: Industry standard, works with everything, transparent pricing

Alternatives: PayPal (similar fees, less professional)

Could I live without it? Need to accept payments somehow. Stripe is the best.

Yes, $400/month in fees sounds like a lot. But it's 2% of revenue, which is standard. And it means I'm making $20,000.

I'll happily pay that.

Optional Tools I Actually Use

Grammarly (FREE version)

My cost: $0/month

What I use it for: Catching typos and basic grammar errors

The free version is plenty. I write thousands of words per week. Grammarly catches embarrassing mistakes before they go live.

LastPass ($3/month)

My cost: $36/year ($3/month)

What I use it for: Password management

I have 100+ accounts. Remembering passwords is impossible. LastPass generates and stores everything securely.

Tools I DON'T Use (And Why)

ClickFunnels ($147/month): Way too expensive. ThriveCart does everything I need for a one-time payment.

Kajabi ($149/month): All-in-one sounds great until you're locked in. I prefer best-of-breed tools.

HubSpot: Overkill for a solo operation. Great for teams, unnecessary for me.

Fancy SEO tools ($99-199/month): Google Search Console is free and tells me everything I need.

Social media schedulers beyond Buffer: I don't post enough to justify $50/month.

Course platforms ($39-199/month): ThriveCart + WordPress handles digital products just fine.

The Anti-Shiny-Object Rule

Before buying any new tool, I ask: "Will this directly make me money or save me significant time?" If the answer isn't a clear yes, I don't buy it. This rule has saved me thousands.

The Total Monthly Cost Breakdown

Total Monthly Cost

ConvertKit: $29
SiteGround: $15
Canva Pro: $13
LastPass: $3
Buffer: $0
Google Suite: $0
Bitly: $0
Grammarly: $0

$60/month

+ Stripe fees (~2% of revenue)
+ ThriveCart (one-time $495, amortized = $8/month over 5 years)

Total: ~$68/month recurring

$68/month in tools generates $20,000/month in revenue.

That's a 30,000% ROI on tools alone.

The Bigger Expenses (Worth It)

Beyond tools, here's where I actually spend money:

Virtual Assistant ($600/month): Handles customer support, social posting, basic admin. Frees up 15 hours/week for me. Worth every penny.

Solo Ads ($500-1000/month): Buying targeted traffic to grow my list. This is marketing, not tools.

Education ($100-300/month): Courses, masterminds, books. Investing in knowledge pays infinite ROI.

What Would I Change If Starting Over?

I'd start with even less. You don't need half of these tools on day one.

Start with:

Add tools only when you hit a real constraint. Don't buy tools hoping they'll solve problems you don't have yet.

The Mindset Shift

Here's what took me too long to learn: Tools don't make you money. Strategy and execution make you money.

I've seen people with $2,000/month tool budgets making $1,000/month.

I've seen people with $50/month tool budgets making $50,000/month.

The tools matter, but not nearly as much as what you do with them.

Master one tool completely before adding another. Most people use 10% of their tool's capabilities while constantly shopping for new tools.

Stop shopping. Start executing.

Your Action Plan

If you're just starting:

If you're already making money:

The Bottom Line

You don't need fancy tools to build a successful online business.

You need:

Everything else is optional.

My entire business runs on less than $200/month in tools. Yours can too.

Stop shopping for tools. Start building your business.

The right tools will make themselves obvious when you actually need them.

Gary Winter

Gary Winter

Affiliate Marketer & Email Marketing Expert

Gary helps affiliate marketers build sustainable income through proven email marketing strategies. With years of experience generating millions in sales, he shares practical tactics that actually work.