# AI Token Calculator - Convert Tokens to Cost | Payle

Canonical URL: https://usepayle.com/tools/ai-token-calculator/
Language: en
Description: Free AI token calculator: convert tokens to cost for GPT-4o, Claude, Gemini and 12+ models. Compare input/output prices per 1M tokens and estimate your monthly API bill.


## Tool facts

- **What it is:** A free, no-sign-up Payle calculator that converts input and output token volumes into USD across 12 models (GPT-4o, Claude, Gemini, DeepSeek, Llama), per request, per 100K and per month.
- **Made by:** Payle — a free tool, no sign-up required, no credit card.
- **Category:** Price & compare
- **Try next:** AI Usage Simulator — Know the per-token rates, now estimate the volumes your actual workflow will burn. ([open](https://usepayle.com/tools/ai-usage-simulator/))
- **All free tools:** https://usepayle.com/tools/
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# AI token calculator.
Convert tokens to cost in seconds. Enter your input and output volume, compare GPT-4o, Claude, Gemini and 12+ models side by side, and see exactly what every 100K tokens costs, and what that looks like financed with Payle.

## 3 steps to your token bill.

Enter your token volume, pick the models to compare, and see the exact cost, per request and per month.
Start guided estimate
Free · no sign-up · your numbers never leave the browser
 Full toolSkip the guided steps and edit every input directly, same tables and math.
1 · What is your token volume per request?
Input tokens
Prompt, what you sendOutput tokensReply, what the model generatesRequests per dayHow often the workflow runs daily2 · Which models do you want to compare?

GPT-4oOpenAI · $2.5/$10 per 1M tokensGPT-4.1OpenAI · $2/$8 per 1M tokensGPT-4.1 miniOpenAI · $0.4/$1.6 per 1M tokenso3-miniOpenAI · $1.1/$4.4 per 1M tokensClaude Opus 4Anthropic · $15/$75 per 1M tokensClaude Sonnet 4Anthropic · $3/$15 per 1M tokensClaude Haiku 4Anthropic · $1/$5 per 1M tokensGemini 2.5 ProGoogle · $1.25/$10 per 1M tokensGemini 2.5 FlashGoogle · $0.3/$2.5 per 1M tokensDeepSeek V3DeepSeek · $0.27/$1.1 per 1M tokensMMistral LargeMistral · $2/$6 per 1M tokensLlama 4 MaverickMeta · $0.2/$0.4 per 1M tokensSet the values above to see your estimate update live.

Set the values above to see your estimate update live.

## How to use the AI token calculator
1
### Enter your token volume

Type the input tokens (your prompt) and output tokens (the reply) you expect, or tap a preset like 10K or 100K. The estimate updates live.

- 2
### Pick the models to compare

Select any combination of OpenAI, Anthropic, Google and open models. The cheapest option for your exact mix is highlighted automatically.

- 3
### Read the monthly picture

See what the volume costs once, per 1M tokens, and extrapolated to a typical month at 30 requests per day.

- 4
### Finance heavy usage with Payle

If your API bill is significant, see the With Payle line: $0 today, then 3 equal monthly installments at 0% APR.

## Why token pricing matters
The problemThe answer
Every AI model bills per token, the smallest unit of text it reads and writes. Because output tokens cost 3-5x more than input tokens, two teams using the “same” model can have wildly different bills: one that streams long answers pays much more than one that asks short questions.

Compare 12+ models from OpenAI, Anthropic, Google, DeepSeek, Mistral and Meta

Token math also explains why model choice matters more than raw usage. A coding assistant running Claude Sonnet costs roughly the same per month as one running GPT-4o, but switching high-volume batch jobs to a cheaper tier like Gemini Flash or an open model can cut the bill by 80-90%.

Cheapest model highlighted for your exact input/output mix

Use this calculator before committing to a model or an API plan, estimate your real mix, compare providers, and budget accurately. When your volume grows, Payle lets you spread the monthly bill over 3 interest-free installments instead of paying it all upfront.

Monthly estimate + $0-today financing with Payle
Join the waitlist
Built by Payle, explore the [AI Store](/products/), compare [pricing plans](/pricing/), or see how [Pay Later](/pay-later/) works.

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Every calculator is free and needs no sign-up: price, compare, track and optimize your whole AI stack with the same catalog and the same math.

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## Frequently asked questions

### How much does 1 million tokens cost?
One million input tokens costs between $0.20 (Llama 4 Maverick) and $15 (Claude Opus 4), and output tokens cost 2-5x more per million. GPT-4o is $2.50/M input and $10/M output; Gemini 2.5 Flash is $0.30/M input. The token calculator prices any input/output mix across 12 models in one view.

One million input tokens costs between $0.20 (Llama 4 Maverick) and $15 (Claude Opus 4), and output tokens cost 2-5x more per million. GPT-4o is $2.50/M input and $10/M output; Gemini 2.5 Flash is $0.30/M input. The token calculator prices any input/output mix across 12 models in one view.

### How does the AI token calculator work?

Enter the number of input and output tokens you expect to use, pick the models you want to compare, and the calculator instantly shows the cost in USD for every model, per request, per 100K tokens, or extrapolated to a monthly volume. It is free and requires no sign-up.

Enter the number of input and output tokens you expect to use, pick the models you want to compare, and the calculator instantly shows the cost in USD for every model, per request, per 100K tokens, or extrapolated to a monthly volume. It is free and requires no sign-up.

### How much does 100K tokens cost?

It depends on the model and the input/output mix. For example, 100K input tokens cost about $0.25 on GPT-4o, $0.30 on Claude Sonnet 4, and $0.03 on Gemini 2.5 Flash. Output tokens cost roughly 3-5x more per token than input tokens on most models.

It depends on the model and the input/output mix. For example, 100K input tokens cost about $0.25 on GPT-4o, $0.30 on Claude Sonnet 4, and $0.03 on Gemini 2.5 Flash. Output tokens cost roughly 3-5x more per token than input tokens on most models.

### What is a token in AI?

A token is the smallest unit of text a model reads or writes. One token is roughly 0.75 words in English, so 100K tokens is about 75,000 words, the length of a short book. Providers bill per token, both for the prompt you send (input) and the text the model generates (output).

A token is the smallest unit of text a model reads or writes. One token is roughly 0.75 words in English, so 100K tokens is about 75,000 words, the length of a short book. Providers bill per token, both for the prompt you send (input) and the text the model generates (output).

### Why are output tokens more expensive than input tokens?

Generating text requires the model to run its full forward pass once per output token, while input tokens are mostly processed in parallel. That is why output prices are typically 3-5x higher than input prices on the same model.

Generating text requires the model to run its full forward pass once per output token, while input tokens are mostly processed in parallel. That is why output prices are typically 3-5x higher than input prices on the same model.

### Can I pay for API usage over time with Payle?

Payle is building financing for AI spend, including usage-based costs. With an annual Payle plan you pay $0 today and spread the estimated monthly API cost over 3 equal installments at 0% APR, so heavy token usage does not require a large upfront budget.

Payle is building financing for AI spend, including usage-based costs. With an annual Payle plan you pay $0 today and spread the estimated monthly API cost over 3 equal installments at 0% APR, so heavy token usage does not require a large upfront budget.

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