SaaS tends to be the most cost-effective option for most businesses, as it eliminates the need for upfront infrastructure investments and maintenance costs. With SaaS, you pay a subscription fee to access the software, and the provider takes care of hosting, updates, and security. PaaS can be cost-effective for developers and businesses that want to focus on application development without worrying about the underlying infrastructure. It reduces the costs associated with managing servers, storage, and networking. IaaS provides the most flexibility but requires more technical expertise and management overhead. It can be cost-effective for larger organizations with specific infrastructure requirements or for those that need complete control over their environment.