At 40 requests/user/day (totaling 120,000 queries/mo), running AI coding assistant on Microsoft Phi-4 (14B) costs $216.00 / month ($2.16 / user / mo).
Total expected API invoice for 100 Active Users generating 120,000 queries.
Direct inference cost per MAU to model your SaaS pricing tiers and gross margins.
Savings generated by exploiting 60% cache hits on prompt context.
| Model | Provider | Monthly Spend (100 Active Users) | Cost / User / Mo | Annual Spend | Context Limit |
|---|---|---|---|---|---|
| Microsoft Phi-4 (14B) (Current) | microsoft | $216.00 | $2.16 | $2,592.00 | 16,384 |
| GPT-5.6 Luna | openai | $420.48 | $4.205 | $5,045.76 | 1,050,000 |
| GPT-5.4 mini | openai | $1,576.80 | $15.768 | $18,921.60 | 256,000 |
| GPT-5.4 nano | openai | $432.48 | $4.325 | $5,189.76 | 128,000 |
| GPT-4o mini | openai | $295.20 | $2.952 | $3,542.40 | 128,000 |
| Claude Haiku 4.5 | anthropic | $1,862.40 | $18.624 | $22,348.80 | 1,000,000 |
At 40 queries per user/day with Microsoft Phi-4 (14B), the estimated cost is $2.16 per monthly active user (MAU). Total monthly bill for 100 Active Users is $216.00.
Assuming a 60% cache hit rate on repeated system and context tokens, prompt caching saves $0.00 per month ($0.00/year) on Microsoft Phi-4 (14B).
With a direct COGS of $2.16 per user/month on Microsoft Phi-4 (14B), charging at least $10.80 per user/month ensures an 80%+ software gross margin.