We will not print a total, because the two inputs that decide it are yours: what your time is worth, and how much of it this will take. What we can do is show the shape.
Suppose a small server at $20 a month, four hours to stand the system up, and an hour a month keeping it patched and checking a restore works. At $50 an hour that is $240 of hosting and sixteen hours, so about $1,040 in the first year. A $99 a month plan is $1,188. On those assumptions the gap is roughly one afternoon of your time.
Change any input and the answer moves, often a long way. Ten users instead of one, and per-seat pricing turns that gap into a rout in favour of self-hosting. Value your evenings highly, or have nobody in the building who enjoys this work, and it goes the other way just as fast.
Those figures are an illustration with stated assumptions, not a claim about any product on this page. Put your own numbers in.