Finance category
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AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate your estimated monthly API spending based on usage.
Monthly Cost Comparison
| Model | Provider | Input $/1M | Output $/1M | Monthly Cost |
|---|---|---|---|---|
Gemini FlashCheapest | $0.07 | $0.30 | $0.675 | |
Claude Haiku | Anthropic | $0.25 | $1.25 | $2.63 |
GPT-3.5 Turbo | OpenAI | $0.50 | $1.50 | $3.75 |
Gemini Pro | $1.25 | $5.00 | $11.25 | |
GPT-4o | OpenAI | $2.50 | $10.00 | $22.50 |
Claude Sonnet | Anthropic | $3.00 | $15.00 | $31.50 |
Claude Opus | Anthropic | $15.00 | $75.00 | $157.50 |
GPT-4 | OpenAI | $30.00 | $60.00 | $180.00 |
EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.
Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.
Learn more about our review process on the EveryCalc methodology page.
How this calculator works
What this page estimates
This AI Cost Calculator is built to give a quick, browser-based estimate for ai cost. Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate your estimated monthly API spending based on usage. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.
Calculation approach
The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.
Example workflow
For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.
Practical checks
- Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
- Run a low, base, and high case when the inputs are estimates.
- Check the related calculators below when the next decision depends on a different assumption.
How to interpret the ai cost result
Best use
Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.
Cross-check
Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.
Watch for
Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.
This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.
Before relying on this ai cost estimate
Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.
Confirm source numbers
Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.
Separate cash flow from total cost
A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.
Run conservative cases
Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.
Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.
How to Use
- Enter the number of input tokens per request (prompt tokens sent to the model).
- Enter the number of output tokens per request (tokens the model generates).
- Set the number of API requests you make per day.
- Adjust the number of days per month your application runs.
- View the cost comparison chart and table to find the most cost-effective model for your use case.
Frequently Asked Questions
How are AI API costs calculated?
AI APIs charge per token processed. Tokens are pieces of text — roughly 4 characters or 0.75 words in English. Each model has separate pricing for input tokens (your prompt) and output tokens (the model's response). Monthly cost = (tokens per request × requests per day × days per month × price per token).
Which AI model is the cheapest?
As of April 2026, Google's Gemini Flash is the most affordable option at $0.075/1M input tokens and $0.30/1M output tokens. Claude Haiku and GPT-3.5 Turbo are also very cost-effective options for simpler tasks.
What's the difference between input and output tokens?
Input tokens are the tokens in your prompt — the text you send to the AI model. Output tokens are the tokens the model generates in its response. Output tokens are typically more expensive than input tokens because they require more computation.
How many tokens does a typical request use?
A short query might use 100-500 input tokens and 200-1000 output tokens. A longer conversation with context could use 2,000-8,000 input tokens. Code generation tasks often produce 500-3,000 output tokens. The exact count depends on your specific use case.
Are these prices up to date?
These prices reflect approximate API pricing as of April 2026. AI providers occasionally adjust their pricing, so check the official pricing pages for the most current rates.
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