AI Cost Per User Calculator
Turn per-user usage into the monthly AI cost of one user, and check the margin against what you charge.
If you are building an AI feature into a product, the number that decides whether it works is the AI feature cost per user, not the total bill. This tool builds it from the ground up: how many requests an average user makes a month, the tokens each request sends and gets back, and the model behind it. Set what you charge and it turns that into unit economics — the ai cost per active user, the margin you keep, and the break-even price where the feature stops losing money. It is a founder's tool for llm cost per user math, so you can price a plan or sanity-check ai saas unit economics before the invoice lands.
Read the guide: AI Cost Per User for SaaS: The Unit EconomicsYour AI feature
AI cost per user / month
$0.0360
$0.0360 is the break-even price on GPT-4o mini
- Total AI cost / month
- $36.00
- Margin per user
- $9.96
- Margin %
- 100%
- Break-even price
- $0.0360
Prices updated January 2026. This counts model API cost only — hosting, retrieval, moderation and support are extra. Rates come from a dated list-price table, so treat the figure as an estimate and confirm against the provider before you set pricing.
How it works
- 1
Describe one user's usage
Enter monthly active users, how many requests an average user makes a month, and the input and output tokens per request. The per-user cost is built from a single user's behaviour, then scaled to your whole base.
- 2
Pick the model and your price
Choose the model the feature runs on and enter what you charge a user each month. Leave the price at zero if the feature is free and you only want the cost side.
- 3
Read the unit economics
The headline is the AI cost to serve one user for a month. The stats show your total monthly AI cost, the margin per user, the margin percentage and the break-even price. A negative margin is flagged so you can see at a glance if you are underwater.
Instant & 100% private — nothing is uploaded
Every calculation runs locally in your browser. The prompts, token counts and numbers you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.
Frequently asked questions
- How do I calculate AI cost per user?
- Multiply the tokens in a typical request by the model's input and output rates to get a cost per request, multiply by how many requests a user makes a month, and you have the monthly AI cost of one user. This tool does that math for you from the usage numbers you enter, so you get a per-user figure you can compare directly against your price.
- What is the break-even price?
- It is the monthly price at which what you charge exactly equals the AI cost of serving that user — margin zero. Charge above it and each user is profitable on AI cost alone; charge below it and every user loses you money. It is the floor to price above, before you add hosting, support and everything else.
- Why is my margin negative?
- Because the AI cost per user is higher than what you charge. That usually means users make more requests, or send more tokens per request, than the plan price supports. Fix it by raising the price above break-even, capping requests or tokens per user, caching repeated context, or moving the feature to a cheaper model.
- Does this include all my costs?
- No — it is the model API cost only. Hosting, vector search and retrieval, moderation calls, storage and human support are separate and can be significant, so your true cost per user is higher than this figure. Use it as the AI-cost floor of your unit economics, then layer the rest on top. Rates come from a dated table, so confirm against the provider before you set pricing.
Important
For planning and estimates only. Prices come from a published rate table dated on the page; providers change pricing without notice, and token counts here are approximations. Confirm against the provider’s own pricing before you budget or commit.
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