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Our pickReviewed

Best AI app builder for a SaaS with auth and payments

Lovable is our pick for building a SaaS with auth and payments from prompts: it ships a built-in backend (or connects your own Supabase), has a native Stripe integration, and hosts your app when you publish. Bolt.new and Replit are strong alternatives; Dyad is the open-source, local option.

Editorial picks

#1 pickVerified

Lovable

The shortest path from prompt to a SaaS with real users: backend, auth, Stripe and hosting are all built in or one click away, and you can move the code into an AI code editor when you outgrow chat.

Free tierfrom $25/moVisit Lovable ↗
Alternative 1Verified

Bolt.new

Generates and runs full-stack apps in the browser with generous token-based Pro plans. Better if you want to see and edit the code as it's written.

Free tierfrom $25/moVisit Bolt.new ↗
Alternative 2Verified

Replit

Build, run and host in one place with an AI agent. Best when you want the backend, hosting and editor under one roof.

Free tierfrom $20/moVisit Replit ↗
Open-source pickVerified

Dyad

An open-source, local app builder where you bring your own model keys: builder-style speed with no platform lock-in.

Free tierOpen sourcefrom $20/moVisit Dyad ↗

Editorial picks are never paid for. How we make money.

How we picked

  • Auth and database without manual wiring
  • Payments integration
  • Hosting included
  • Code you can export and keep

Prices are checked against each vendor's official pricing page. Our methodology.

When to switch

  • Your codebase outgrows chat-only edits and you need fine-grained control

    → Move to Cursor. Move the code into an AI editor and keep shipping with full code access.

Compare

FAQ

Can an AI app builder handle payments?

Yes. Lovable has a native Stripe integration, so you can add checkout and subscriptions from chat. On paid plans Lovable can create and manage the payments account for you, or you can connect your own Stripe account. Test payments in test mode before going live.

Do I need Supabase to use Lovable?

No. Lovable Cloud is now the default backend, but you can still connect your own Supabase project if you want direct control of your database.

How much does it cost to build a SaaS with Lovable?

Lovable Pro starts at $25/month for 100 credits, with higher credit tiers available. Use our stack cost calculator to add your database, hosting and AI usage.

When should I move off an AI app builder?

When chat edits start breaking unrelated features or you need tests, reviews and fine-grained control. Export the code and continue in an AI code editor like Cursor or an agent like Claude Code.