iGaming Licence Cost Calculator

This calculator covers 40 iGaming licensing jurisdictions, including the major Western regulators (UKGC, MGA, Isle of Man, Gibraltar, Alderney), all EU-regulated markets (Sweden, Denmark, Netherlands, Italy, Spain, France, Germany, Greece, Portugal, Romania, Estonia, Lithuania, Bulgaria, Belgium, Czech Republic, Latvia, Cyprus, Hungary), established offshore (Curaçao post-LOK, Kahnawake, Antigua, Costa Rica), emerging offshore (Anjouan, Tobique, Mauritius), Latin America (Colombia, Brazil, Peru, Mexico, Argentina/Buenos Aires), and other regulated markets (Switzerland, Ontario, Australia NT, Philippines PIGO, South Africa).

Each licence record stores six cost fields plus capital lock-up: application fee, legal/setup cost, annual licence fee, variable annual fee (a function of GGR for regulators that band by revenue), gaming tax rate (multiplied by your GGR input), compliance staffing benchmark (MLRO + Compliance Officer + AML staff in the relevant jurisdiction), and audit/testing benchmark (eCOGRA, GLI, BMM, plus financial audit).

Compliance staffing is benchmarked from public salary surveys (Robert Half, Hays, iGaming-specific guides). Roughly: Malta MLRO €55-65k + Chief Compliance Officer €70-90k = €125-155k base, plus 1-2 AML analysts at €40-50k each, plus 25-30% employer overhead, lands the "Malta-tier" figure around €180k. UK and Gibraltar are 20-40% higher (London cost-of-living premium). Curaçao and other remote-acceptable jurisdictions land 30-50% lower because the senior roles can be hired remotely from Eastern Europe or LATAM.

Audit costs are estimates: GLI/eCOGRA/BMM quote per project rather than publishing rate cards, but operator filings suggest €25-50k/year for an established mid-size operator covers ongoing platform attestation, periodic RNG re-certification, and the annual financial audit. New game submissions add €5-15k each.

What this calculator deliberately doesn't model: marketing budget, payment-processing MDR (typically 4-6% of volume on high-risk merchant accounts), responsible-gambling levies that vary by month, KYC/EDD costs that vary per customer, licence-variation fees (adding new product types), and the operational cost ofnot being banked (frozen accounts, app-store rejections). For the banking side, see our Bankability Score calculator.

Confidence ratings. Every licence row carries a confidence flag shown in the right-hand column. High means the figure is taken directly from the regulator's own published page or fee schedule. Medium means a single strong industry source or a recent regulatory change still in transition (Gibraltar 2026 reform, Italy concession round, Bulgaria 25% GGR from Jan 2026). Low means the public data is thin and the figure should be verified directly with the regulator before any commitment. Click any row to see the cited sources for that licence.

Currency. The calculator stores everything in EUR internally and converts to your selected display currency using static mid-market rates as of May 2026 (USD 0.92, GBP 1.18). Local-currency caps and floors (e.g. UKGC GBP-banded fees, IoM duty tiers, Bulgaria BGN amounts) are computed in the original currency first and converted afterwards.