At 4 requests/user/day (totaling 12,000 queries/mo), running Document summarization on Microsoft Phi-3.5 MoE costs $49.32 / month ($0.4932 / user / mo).
Total expected API invoice for 100 Active Users generating 12,000 queries.
Direct inference cost per MAU to model your SaaS pricing tiers and gross margins.
Savings generated by exploiting 10% cache hits on prompt context.
| Model | Provider | Monthly Spend (100 Active Users) | Cost / User / Mo | Annual Spend | Context Limit |
|---|---|---|---|---|---|
| Microsoft Phi-3.5 MoE (Current) | microsoft | $49.32 | $0.4932 | $591.84 | 128,000 |
| GPT-5.6 Luna | openai | $63.24 | $0.6324 | $758.88 | 1,050,000 |
| GPT-5.4 mini | openai | $237.15 | $2.372 | $2,845.80 | 256,000 |
| GPT-5.4 nano | openai | $63.60 | $0.636 | $763.20 | 128,000 |
| GPT-4o mini | openai | $47.07 | $0.4707 | $564.84 | 128,000 |
| Claude Haiku 4.5 | anthropic | $309.00 | $3.09 | $3,708.00 | 1,000,000 |
At 4 queries per user/day with Microsoft Phi-3.5 MoE, the estimated cost is $0.4932 per monthly active user (MAU). Total monthly bill for 100 Active Users is $49.32.
Assuming a 10% cache hit rate on repeated system and context tokens, prompt caching saves $0.00 per month ($0.00/year) on Microsoft Phi-3.5 MoE.
With a direct COGS of $0.4932 per user/month on Microsoft Phi-3.5 MoE, charging at least $2.466 per user/month ensures an 80%+ software gross margin.