A $4 tomato plant doesn’t sound expensive until you need six tomatoes, four peppers, a tray of lettuce, basil, broccoli, and a few flowers. Suddenly, the spring garden-center trip costs $60 before anything has gone into the ground, making a $3 packet containing dozens of seeds look like an obvious bargain. But the real seed starting cost isn’t simply the price printed on the packet, especially if you’re starting plants indoors. Add seed-starting mix, trays, pots, plant labels, supplemental lighting, electricity, and the seedlings that don’t survive, and buying transplants can occasionally win. Let’s run the numbers on several realistic gardens to see when starting from seed actually saves money.