Private AI budget tool

Turn tokens into a monthly AI API budget.

Model input, output, cache hits and failed-call overhead before comparing managed APIs with open-model GPU deployment.

Editorial standardOfficial price snapshot · Custom live rates · No inference API

OpenAI · GPT-5.6 Luna

Standard processing, short context. Input $0.2, cached input $0.02, output $1.2 per 1M tokens.

Open official pricing source →

Modeled monthly API bill

$68.51

$0.0007 per successful request

Annualized at the same workload: $822.15. This is a usage model, not a bill forecast.

Billable requests
105,000
Uncached input
$23.63
Cached input
$0.7875
Output
$44.10
Other known charges
$0.00
Budget signalA hosted API may still be operationally simpler; compare deployment only if control or sustained use matters.

Modeled cache-price difference: $7.09 per month. Confirm which tokens qualify for caching in the provider's live terms.

Compare an open-model deployment separately

A rented GPU is not equivalent to a managed model API. If your workload can use an open-weight model, continue through the full model-fit and completed-cost decision sequence.

United StatesRunPod01
Why consider

A managed route for Pods and serverless GPU deployment when an open-model workload needs configurable compute.

Watch for

Include idle resources, storage, transfer, deployment work and failure recovery before comparing with an API bill.

United StatesVast.ai02
Why consider

A marketplace route for price-sensitive, portable workloads that can evaluate individual host offers.

Watch for

Offer quality and interruption risk vary; the lowest listed rate may not produce the lowest completed-workload cost.

All calculations run in your browser. SmarterBuyLab does not receive prompts, token counts or pricing inputs. Presets were verified August 16, 2026; use Custom live price if the official rate changes.

Use billed usage—not the text you can see.

Provider usage can include system instructions, tool definitions, conversation history, reasoning tokens and retries. Start with measured usage from a representative production request when available. This site does not perform or claim a hands-on model test.

Separate eligible cache hits from ordinary input.

The calculator applies the cache-hit rate only to the percentage you enter. Cache creation, storage, minimum prefix requirements and expiration rules can create separate charges, so place any known amount in “other monthly API or tool charges.”

Do not treat an API and a rented GPU as identical products.

A managed API bundles model serving and operations. GPU deployment can add environment setup, model downloads, storage, scaling, monitoring and recovery. Compare the same workload outcome and service requirement, then use the GPU cost calculator for the deployment scenario.

Price snapshot sources

Presets use standard text-processing rates from the official OpenAI pricing documentation, Anthropic pricing documentation and Google Gemini pricing documentation, checked August 16, 2026. Regional, batch, flex, fast, long-context, tool and media rates may differ.

Frequently asked questions

How does this AI API cost calculator work?

It multiplies monthly billable input, cached-input and output tokens by the selected per-million-token rates, then adds retries and other known monthly charges.

Does SmarterBuyLab send my data to an AI provider?

No. The calculator runs in your browser and never sends prompts, tokens or workload assumptions to an inference API.

Are the model presets live prices?

They are an official-source snapshot verified August 16, 2026, not a live price feed. Check the linked official source or select Custom live price before making a purchase decision.

When is GPU hosting cheaper than an API?

There is no universal break-even point. A fair comparison must include model fit, throughput, uptime, setup, retries, storage, transfer, monitoring and engineering time—not only a GPU hourly rate.