AI API Pricing & Local AI Cost Calculator

ZIMASPACE TOOLS / AI COSTS

Compare API spend with a local AI budget.

Estimate text-token costs across 8 providers and 26 model configurations. Then put hardware, electricity and upkeep into the same monthly budget.

Official rates checked · Oct 30, 2026USD per 1 million tokensRead the cloud vs local cost guide

1. Define the API workload

Use billable model calls and token counts from real usage logs.

Cache, extra fees and rate conditions

Cache writes use the shortest quoted retention tier where loaded (OpenAI: 30 minutes; Claude: 5 minutes). Cache storage and tool charges belong in additional fees. Missing cache-write quotes are never treated as free.

2. Model a local AI budget

Illustrative inputs, not a hardware recommendation or benchmark.

Value your maintenance time

Validate that the intended model fits and meets your workload before comparing costs. Storage hardware alone is not a complete inference system.

GPT-6.1 Sol

$270.00Modeled API month · token charges plus your extra-fee allowance

Local monthly cost

$48.01Net hardware amortization + power + running costs + optional labor

Workload in this scenario

30,000 calls60,000,000 input · 15,000,000 output tokens

Budget comparison only. Tokenizers, model quality and achievable local throughput differ. Payback assumes the same workload and unchanged local power/operating inputs.

API estimate breakdown
Input, cache reads and writes
Billed output
Additional fees

Local budget breakdown
Net hardware / useful life
Electricity
Other running costs + labor

Compare the same token budget.

Prices are USD / 1M tokens. Sorted by your modeled monthly estimate, not model quality. Endpoint scope and rate notes matter.

26 configurations— = quote not loaded; see model notes
Provider / model Input / 1M Cache read / 1M Output / 1M Modeled month Compare
Ministral 3 8BMistral · StandardOfficial pricing $0.15 $0.015 $0.15 $11.25 Use the selector above
GPT-6 LunaOpenAI · StandardOfficial pricing $0.1 $0.01 $0.5 $13.50 Use the selector above
Claude Haiku 5.5Anthropic · StandardOfficial pricing $0.1 $0.01 $0.5 $13.50 Use the selector above
Mistral Small 4Mistral · StandardOfficial pricing $0.15 $0.015 $0.6 $18.00 Use the selector above
DeepSeek V4.1 Flash 1017DeepSeek · StandardOfficial pricing $0.3 $0.006 $1.2 $36.00 Use the selector above
Qwen3.7 Plus · USAlibaba Cloud · StandardOfficial pricing $0.4 — $1.6 $48.00 Use the selector above
Gemini 3.5 Flash-LiteGoogle · StandardOfficial pricing $0.3 $0.03 $2.5 $55.50 Use the selector above
Mistral Large 4Mistral · StandardOfficial pricing $0.7 $0.07 $2.1 $73.50 Use the selector above
Grok Build 0.1xAI · StandardOfficial pricing $1 $0.2 $2 $90.00 Use the selector above
Gemini 3.8 FlashGoogle · StandardOfficial pricing $0.75 $0.075 $3.75 $101.25 Use the selector above
Grok 4.3xAI · StandardOfficial pricing $1.25 $0.2 $2.5 $112.50 Use the selector above
GPT-6.1 TerraOpenAI · StandardOfficial pricing $1 $0.05 $5 $135.00 Use the selector above
DeepSeek V4 ProDeepSeek · StandardOfficial pricing $1.32 $0.044 $3.96 $138.60 Use the selector above
Mistral Medium 3.5Mistral · StandardOfficial pricing $1.5 $0.15 $7.5 $202.50 Use the selector above
Grok 4.7xAI · StandardOfficial pricing $2 $0.5 $6 $210.00 Use the selector above
Qwen3.8 Max · USAlibaba Cloud · StandardOfficial pricing $2 — $6 $210.00 Use the selector above
GPT-6.1 SolOpenAI · StandardOfficial pricing $2 $0.1 $10 $270.00 Use the selector above
Claude Sonnet 5.5Anthropic · StandardOfficial pricing $2 $0.1 $10 $270.00 Use the selector above
Gemini 4 ArgonGoogle · StandardOfficial pricing $2 $0.1 $10 $270.00 Use the selector above
Kimi K3.1 ProKimi · StandardOfficial pricing $2 $0.2 $10 $270.00 Use the selector above
Gemini 3.1 Pro PreviewGoogle · StandardOfficial pricing $2 $0.2 $12 $300.00 Use the selector above
Kimi K3Kimi · StandardOfficial pricing $3 $0.3 $15 $405.00 Use the selector above
Claude Opus 5.5Anthropic · StandardOfficial pricing $4 $0.2 $20 $540.00 Use the selector above
Kimi K3.1 Pro HighspeedKimi · StandardOfficial pricing $4 $0.2 $20 $540.00 Use the selector above
GPT-6 AstraOpenAI · StandardOfficial pricing $10 $1 $50 $1350.00 Use the selector above
Claude Fable 5.1Anthropic · StandardOfficial pricing $10 $0.25 $50 $1350.00 Use the selector above

What goes into the calculation?

Input tokens are split into ordinary input, cache reads and cache writes. Read and write shares cannot overlap. The selected date and average prompt length determine the applicable loaded price tier. DeepSeek’s window selector applies to that provider only.

API month = calls/day × days × [input tokens × weighted input rate + billed output tokens × output rate] ÷ 1,000,000 + additional fees

Local month = (hardware cost − expected resale) ÷ useful life + whole-system electricity + running costs + maintenance time

Power uses active watts for the hours you enter and idle watts for the remainder of each 24-hour day. The local cost is a planning budget, not a measured inference-cost benchmark. For a worked example and a decision checklist, read cloud AI API pricing vs local AI costs.

Official sources and pricing scope

Direct provider endpoints are used where stated. Alibaba entries use US deployment-scope list prices. This is a text-token comparison, not a quote for AWS Bedrock, Azure, Vertex AI, reseller endpoints or chat subscriptions. Known Gemini introductory-price end dates are included; future unannounced changes are not.

FAQ

Are these live provider quotes?

No. These are official-source rates checked on October 30, 2026, with the scheduled changes recorded in the dataset. Review the linked provider pages before committing spend. The date selector applies known changes only; it does not fetch new prices.

How are long prompts priced?

The input-token count selects any documented request-level tier. OpenAI, Claude Haiku, Gemini Pro, Grok and the listed Qwen Plus option have different thresholds. Rates for the entire modeled request change at the relevant boundary.

What does cached-input share mean?

It is the fraction of input tokens billed as cache reads. Cache writes are a separate share. Eligibility, prefix matching and cache lifetime are provider-specific. If a cached-read rate is not loaded, this tool uses the full input price; if a write rate is missing, a write scenario needs a quote.

What is excluded from the API estimate?

Taxes, free credits, subscriptions, batch/flex discounts, premium regional routing, non-text generation, search/tool calls, cache storage and other services are excluded unless entered as additional monthly fees. Only the documented rate categories are modeled.

Does a cheaper local estimate mean it can run the same model?

No. Test model quality, memory fit, throughput, latency and concurrency independently. The local budget assumes your measured active hours and power; it does not predict how much inference the machine can deliver.

What is simple hardware payback?

Net hardware cost divided by the selected monthly API estimate minus local monthly operating costs. Depreciation is excluded from that savings denominator. A non-positive difference has no positive payback under these assumptions.

Can I compare a private quote?

Choose Custom endpoint and enter your verified input, output and cache rates. The calculator runs in your browser and does not request an API key or upload prompts.

A ZimaSpace planning tool. Free to use. Calculations run in your browser; no API key or prompt content is needed. Price snapshot: 2026-10-30.