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Cost simulator
Subscription versus API, priced from sources
Compare a source-priced subscription against a modelled API workload. A price override is always labelled as your assumption, and any applicable rate the source did not publish makes the estimate unavailable instead of cheap.
1
Subscription plan
Price, billing cadence, minimum seats, and availability all come from the plans source.
Up to four models sharing one workload, so the shares always total 100%. Changing one moves the others in proportion; with a single model it is the whole workload.
Describe how you use AI in your own terms. We translate it into tokens and list every assumption, so you can check or override it. Token volumes are still your assumptions, not source evidence.
Start from:
Subscription seats in step 1: 1
How long is a chat?
What do people paste in?
Typical answer length
Prompt cachingReuses repeated context at a lower rate. Most agents and pipelines use it.
≈ 220 chats/month × 8 model calls each × (2.6k in + 400 out) = 5.2M tokens/month
~800-token system prompt and ~80 tokens per thing you type
Each reply resends the whole chat so far, so long threads cost more per message
Answer length includes any hidden thinking tokens
Prompt caching off: all input billed at the full rate
The subscription is $12.10/mo cheaper (38% less) at your usage.
You use 5.21M tokens, 1.6× the 3.25M breakeven (≈137 chats/month). Check the plan’s usage limits before relying on this: no token allowance is modelled.
Your usage vs breakeven
API cheaperbreakevenPlan cheaper
Subscription
$20.00
/ month · source plan price
No token allowance equivalence is assumed for a subscription.
API estimate
$32.10
/ month · 5.21M modelled tokens
Source rates × the workload and mix you entered.
Breakeven crossover
3.25M
modelled tokens / month
Subscription cost ÷ this scenario’s effective API rate ($6.16 / 1M).
Cost curve around your usage
Auto-scaled to 3× the larger of your usage and the breakeven, so both are always visible. The subscription line stays flat because no token allowance is claimed for a plan.
Itemised source prices
Exactly what each source published. Nothing on this table is derived.
ModelScale