💰 AI Agent Cost Calculator
Estimate monthly cost across Claude (Fable 5, Opus 4.8/4.7/4.6, Sonnet 4.6, Haiku 4.5), OpenAI (GPT-5.6 Sol/Terra/Luna, GPT-5.5, GPT-5.4, o4-mini), Google (Gemini 3.1 Pro/Flash, 2.5 Pro/Flash, Gemma 2 local), and open-weights models (Kimi K3, Kimi K2, Qwen 3.5/3.6, Gemma 2). API-direct, subscription, and local-Ollama paths side by side. No signup, no tracking, shareable via URL.
Claude (Fable 5, Opus 4.6–4.8), OpenAI GPT-5.6, and Kimi K3 rates verified 2026-07-18; Google and other open-weights rates last verified 2026-04-26. Confirm exact rates before high-volume commitments at the official pricing pages: anthropic.com · openai.com · ai.google.dev · openrouter.ai. Rates are per 1M tokens, USD.
Your usage
Estimated monthly cost
How the math works
Two billing models drive every total below:
- Per-token billing (API + OpenClaw): messages × tokens × per-token rate. Costs scale linearly with usage; cheap at low volume, can run high at heavy usage.
- Subscription (Cowork, ChatGPT, Claude Code Pro/Max): flat per-seat fee with usage caps. Cheap above a usage threshold; potentially wasted money below it.
Published rates (USD per 1M tokens):
- Anthropic (verified Jul 2026) — Haiku 4.5 $0.80/$4 · Sonnet 4.6 $3/$15 · Opus 4.6 / 4.7 / 4.8 $5/$25 · Fable 5 $10/$50 (most capable). Opus 4.7/4.8 and Fable 5 scale output by the effort multiplier (low 1× → max 7×).
- OpenAI (GPT-5.6 GA Jul 2026) — GPT-5.6 Sol $5/$30 · Terra $2.50/$15 · Luna $1/$6 · GPT-5.5 $4/$20 · GPT-5.4 $2.50/$10 · GPT-5.4 mini $0.30/$1.20 · GPT-5.4-Cyber $12/$60 · o4-mini $1.50/$8
- Google — Gemini 3.1 Flash $0.30/$1.20 · Gemini 3.1 Pro $3.50/$15 (newest, Apr 2026) · Gemini 2.5 Flash $0.20/$0.80 · Gemini 2.5 Pro $2.50/$12 · Gemma 2 9B local-only (Ollama)
- Open weights via API — Kimi K3 $3/$15 (Moonshot 2.8T flagship, Jul 2026 — premium open-weight, priced like Sonnet, not a budget tier) · Kimi K2 $0.60/$1.80 · Qwen 3.5 72B $0.40/$1.20 (typical OpenRouter / Together pricing)
- Open weights local (Ollama + GPU) — Qwen 3.6 35B MoE, Gemma 2 9B: $0/token, ~$8–18/mo electricity for typical home GPU usage. No data ever leaves your network.
- Subscriptions — Cowork Pro ~$20/user · Business ~$30/user · ChatGPT Plus $20 · Pro $200 · Team $30/seat · OpenClaw self-hosted $0–5/mo
Effort level multiplier (Opus 4.7/4.8 and Fable 5): low 1× · medium 1.3× · high 2× · xhigh 3.5× · max 7×. Multiplier applies to output tokens (where the extra reasoning work shows up).
What this calculator does not include
- Prompt-cache discounts — can cut input cost 50–90% for stable system prompts (see our cost optimization guide)
- Batch API discounts — Anthropic offers 50% off for batch jobs
- Enterprise volume discounts — negotiate above ~$50K/year spend
- Tool-call costs (web search, file uploads) — usually small but vary by platform
- Local GPU electricity if running NemoClaw/Ollama (~$5–20/mo for typical home use)
For most users, real-world spend lands within ±25% of the estimate. The calculator's main job is to spot order-of-magnitude differences between platforms.
Common scenarios
| Scenario | Cheapest tier | Why |
|---|---|---|
| Solo developer, 40 turns/day, Sonnet | Claude Code Pro / Cowork Pro | $20 flat beats per-token at this volume |
| Heavy user, 200 turns/day, Opus 4.8 xhigh | API direct or Max plan | Per-token can run $350+/mo; Max plan caps it |
| 10-person team, mixed usage | Cowork Business | $300/mo total; per-token would be $500+ + dev time |
| Privacy-sensitive, any volume | OpenClaw + local Qwen 3.6 / Gemma 2 | $0/token, ~$8–18/mo electricity; data never leaves network |
| High volume, mixed open + closed | Kimi K2 or Qwen 3.5 via OpenRouter | ~3–5× cheaper than GPT-5.4 / Sonnet for similar quality |
| Frontier open-weight coding, self-host optional | Kimi K3 via OpenRouter (weights out Jul 27) | $3/$15 — matches Sonnet on price, tops Frontend Code Arena; open weights let you self-host at scale |
| Cheapest chat for non-coding | Gemini 2.5 Flash or GPT-5.4 mini | Sub-cent-per-1k-tokens; great for batch summarization |
| Batch processing, high volume | API with batch discount | 50% off Anthropic batch pricing beats subscriptions |
Calculator is informational only — not financial advice. Verify current prices at anthropic.com/pricing and openai.com/pricing. See also: decision guide · cost optimization · Cowork pricing breakdown · effort-levels guide.