File 024 Money 23 September 2026 2 min read
Declassified

The cheapest AI is 8,824 times cheaper than the most expensive

Everyone calls it the same thing: using an AI model. The price list says these are not remotely the same product.

The question“why do AI models cost different amounts”

At a glance

Cheapest paid input
$0.02 per million tokens
Most expensive input
$150 per million tokens
The gap
about 8,824 times
Models on the list
446, of which 24 are free
ONE UNIT, EIGHT THOUSAND TIMES APART: IBM Granite 4.0 Micro $0.02, A frontier model $10, The most expensive listed $150

On one price list, on one afternoon, you could buy a million tokens of AI input for two cents or for one hundred and fifty dollars.

That is the same unit. The same kind of request. The same screenshots in every marketing page.

8,824 times is not a range, it is a different universe — and it is the single most useful fact about the AI market that almost nobody puts on a chart.

The two ends

At the bottom: IBM Granite 4.0 Micro at $0.02 per million input tokens. That is roughly 750,000 words for two cents. It is small, it is not clever, and it is entirely adequate for a great deal of real work.

At the top: o1-pro at $150 per million in, $600 per million out. Six hundred dollars for a million tokens of output — about three-quarters of a million words.

In between sit 446 models of every shape and price, including 24 that cost nothing at all.

Why the gap is so large

Three things separate the ends of that range, and only one of them is quality.

Size. A larger model costs more to run for every single token. The relationship is close to linear, and it is the largest single factor.

Deliberation. Reasoning models generate working before answering. You are billed for the thinking, which can multiply the cost of an answer several times over.

Positioning. Some of the price is not cost at all. It is what the market will bear for a model with a particular name attached, sold to buyers who are not comparing.

The mistake almost everyone makes

The default is to reach for the best model available, because the price difference per request looks trivial. A tenth of a cent. A few cents. Nothing.

Then it is not nothing, because you did it four hundred thousand times.

At the volume where AI becomes genuinely useful — every ticket, every invoice, every document, every commit — the difference between the top of that range and the bottom is the difference between a hobby and a business.

What to do with this

Sort your tasks into two piles.

The boring pile: classification, extraction, formatting, summarising text you supplied, translating. These have right answers and the cheap models get them right. Pay two cents.

The hard pile: reasoning that has to be correct, code that has to run, decisions where being wrong costs more than the tokens. Pay whatever it takes, and be glad it only happens sometimes.

Most people run everything through the expensive pile and call the bill the cost of AI. It is not the cost of AI. It is the cost of not sorting.

Filed underaipricing

Every claim in this file is checked against primary sources — how we verify. Spotted an error? Tell us.

More Money

All
MoneyFILE 023

The two biggest AI models cost exactly the same

OpenAI's newest flagship and Anthropic's newest flagship are priced identically, to the cent. That is not a coincidence, and it tells you something about where the market has gone.

Open the file2 min
MoneyFILE 021

The Great Salad Oil Swindle

Inspectors measured the tanks with a tape dipped in water. Oil floats. One man used that fact to borrow against $150 million of soybean oil that did not exist.

Open the file1 min
MoneyFILE 020

Was Tulip Mania Even a Bubble?

The most-cited financial bubble in history may be mostly a story invented 200 years later by a man selling a book about crowd madness.

Open the file1 min