AI cost-per-user calculator
Turn a single API invoice into real unit economics. Enter your monthly API spend, your active users, the fraction who pay, and your ARPU, and the calculator returns the blended cost per user, the sharper cost per paying user, and exactly how much of each paying user’s revenue is eaten by model inference.
How it works
Two cost figures matter:
blended_cost_per_user = api_spend / total_MAU
cost_per_paid_user = api_spend / (total_MAU × paid_fraction)
margin_impact = cost_per_paid_user / ARPU
The blended figure flatters you because free users dilute it. The paid figure
is the honest one: it concentrates the whole bill onto the people actually
paying, which is what determines whether the product makes money. Comparing
cost_per_paid_user to ARPU shows the percentage of revenue lost to AI before
hosting, support or payment fees.
Tips for healthy AI unit economics
- Target single-digit ARPU percentage. If AI costs exceed 15–20% of ARPU, margins get thin fast once other COGS stack up.
- Cap free-tier usage. Free users with no rate limits can quietly dominate spend and wreck your blended cost.
- Route by tier. Serve free users a cheaper model and reserve premium models for paying tiers to protect the paid-user margin.