The single largest cost driver is not technology — it remains unclear scope. Every ambiguity in the specification is converted into a contingency in the estimate. A vendor that has no visibility into the edge cases must assume the worst. Putting two weeks into a proper discovery frequently cuts the total far more than haggling over hourly rates.
Integrations remain another reliable source of cost. A feature that touches only your own data is predictable; the same feature talking to a payment provider and a CRM is another matter entirely. The effort lives in the third party: undocumented APIs, waiting on someone else's team, hire pytest developers fields that mean something different on each side. Ask the estimator to break integrations out as separate items, since this is the usual source of overruns.
Quality attributes silently change the number. A tool used by a small internal team has almost nothing in common with the same functionality handling thousands of external customers. Compliance work, high availability, scalability, traceability and accessibility add real engineering time. State them early or else expect the estimate to move later.
The mix of people behind the number changes the arithmetic. An hourly rate says very little on its own: a senior engineer at a premium rate can be cheaper per delivered feature than two juniors who require heavy code review. Also ask what else appears on the invoice: coordination, testing, infrastructure work and design have to be done by someone, but they must be named rather than hidden inside a blended rate.
The number in the proposal which is better php or python rarely what you will actually spend. Plan ai developers for hire infrastructure, paid APIs, logging and alerting and a maintenance allowance each year. A reasonable rule of thumb is that any production system requires a noticeable fraction of the original budget per year in fixes, updates and small changes. Treating the launch as the finish line has always been the classic mistake.