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疏影

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Saving Money on Cloud Storage: A 2026 Personal Stack


My $30/month cloud storage stack

I used to pay $290/year for Dropbox + Google Drive + OneDrive. In 2026 I switched to self-hosting, and now I pay $30/month for the server. Same amount of storage (more, actually), full control, no subscription traps.

This article breaks down what I pay for and what I save.

What I was paying before (2022-2025)

Service Plan Cost
Dropbox Plus 2TB $120/year
Google Drive 2TB $100/year
OneDrive 1TB $70/year
Total 5TB $290/year

What I got: 5TB of total storage across three providers. Files mostly sat in one of them; I used the others as backups or for sharing with specific people.

What I pay now (2026)

Component Cost
Hetzner dedicated server (AX41-NVMe) $30/month
Backblaze B2 cold storage (4TB backup) $24/month
ScsDriver lifetime (one-time) $5.5
Domain name $1/month
Total monthly $55/month
Total year 1 $665
Total year 2+ $660/year

That's more expensive than the $290/year I was paying for 5TB.

But: I have 4TB primary + 4TB cold backup = 8TB usable, expandable to 10TB+ by adding disks. The Hetzner box is mine; I can do anything on it (Nextcloud, MinIO, Plex, etc.). And I have no subscription traps.

The honest math

For 5TB or less, paying for Dropbox + Google Drive is cheaper. For 10TB+, self-hosting wins on cost-per-TB and total control.

If your data is "moderate" (under 5TB), self-hosting doesn't save money — you trade subscriptions for fixed cost. If your data is growing fast (videos, photos, backups), self-hosting becomes a no-brainer past 10TB.

What's actually cheaper

  • Under 2TB: Dropbox Basic ($0 - 2GB) or Google Drive free (15GB). Don't pay.
  • 2-5TB: OneDrive 1TB ($70/year) + iCloud 2TB ($30/year) = $100/year. Hard to beat.
  • 5-10TB: Self-hosting starts to win. Or pay for OneDrive 6TB ($100/year) if you don't want the operational burden.
  • 10TB+: Self-hosting is the only cost-effective answer.

What I save

  • $290/year in subscriptions → $660/year in self-hosting = I pay more, but I get more.
  • Net: I pay $370/year more, but I have 3x the storage, full control, and a server I can use for other things.

If you don't need a server for other things, just pay for the cloud storage and skip self-hosting.

What I don't save

  • Time. Self-hosting takes time to set up, monitor, and fix.
  • Complexity. I'm now a sysadmin for my own server.
  • Risk. Hardware failure, network outages, security patches — all my problem.

What I gain

  • $0 egress fees (Nextcloud self-hosted)
  • Unlimited storage (just buy disks)
  • No "we suspended your account" surprises
  • No "we changed our pricing" surprises
  • Full control over my data

Verdict

Self-hosting isn't a cost optimization. It's a control / privacy / flexibility decision. The cost is comparable or higher for small data sets, lower for large data sets, and roughly equal in the middle.

ScsDriver at $5.5 lifetime (was $9.99) is the cheapest way to make the self-hosted storage feel like a local drive. For users in mainland China, the package is sold at CN ¥20 lifetime (separate pricing region).

Pricing recap (overseas)

  • $1.5 monthly
  • $5.5 yearly
  • $5.5 lifetime (was $9.99)

For users in mainland China, the package is sold at CN ¥20 lifetime (separate pricing region).

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