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Three Nines vs Four Nines: Is the Extra 9 Worth the Cost?

A side-by-side analysis of 99.9% and 99.99% SLA tiers — comparing annual downtime, architecture requirements, credit structures, and total cost of ownership.

By Marco Tanaka ·
Three Nines vs Four Nines: Is the Extra 9 Worth the Cost?

The jump from “three nines” (99.9%) to “four nines” (99.99%) sounds like a 0.09% improvement. In reality, it’s a 10× reduction in allowed downtime that demands fundamentally different architecture, operations, and contractual structures.

The Downtime Math

SLA TierAnnual DowntimeMonthly Downtime
99.0%87.6 hours7.3 hours
99.9% (“three nines”)8.76 hours43.8 minutes
99.95%4.38 hours21.9 minutes
99.99% (“four nines”)52.6 minutes4.4 minutes

Most mid-market cloud SLAs offer three nines. Achieving four nines requires multi-region active-active architectures with automated failover — and that infrastructure isn’t cheap.

Architecture Requirements

At three nines, a single-region deployment with redundant instances is usually sufficient. At four nines, you need:

  • Multi-region active-active with automated failover (< 30 second switchover)
  • Globally distributed databases (CockroachDB, Spanner)
  • Chaos engineering practice (GameDay exercises, automated failure injection)
  • 24/7 SRE team with on-call rotation and < 5 minute response times
Criteria
99.99% (Four Nines)
99.9% (Three Nines)
Annual downtime allowed
52.6 minutes
8.76 hours
Architecture
Multi-region active-active
Single-region with redundancy
Infrastructure cost
3–5× higher
Baseline
Ops team required
24/7 SRE + on-call
Business-hours support OK
Credit cap (typical)
100% monthly fee
25-50% monthly fee
Failover time
< 30 seconds automated
5-15 minutes manual/semi-auto
Best for
Payments, health, trading
Most SaaS, internal tools

Negotiation Tactics

Regardless of which tier you choose:

  • Credit caps: Most SLAs cap credits at the monthly fee. Push for 3× cap on mission-critical workloads.
  • Measurement: Insist on external synthetic monitoring as the source of truth, not provider dashboards.
  • Termination rights: Include penalty-free termination after 3 consecutive months of breach.

The Cost Reality

For a typical mid-market SaaS with $50K/month cloud spend, moving from three nines to four nines typically costs:

  • +$150–250K/month in multi-region infrastructure
  • +$300–500K/year in SRE staffing
  • +$50–100K/year in monitoring and chaos engineering tooling

That’s a ~$600K–$1M annual premium for the extra nine.

Our Verdict
Winner 99.9% (Three Nines)

For the vast majority of businesses, three nines provides the right balance of reliability and cost. Four nines is only justified for mission-critical systems where downtime has regulatory, safety, or financial consequences exceeding $1M/year. Know your cost-of-downtime before signing.

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