AI Token & Coding Agent Cost Calculator
Estimate real API billing for Cursor Agent, Claude Code, Windsurf, and custom autonomous workflows. Compare Claude 3.7 Sonnet, o3-mini, and Gemini models with prompt caching discounts in ₹ (INR) and $ (USD).
Anthropic & OpenAI cache static system prompts and repository indexes, delivering up to 90% discount on repeated prompt tokens.
Prices reflect official published API rates from Anthropic, OpenAI, and Google as of 2026. Subscriptions like Claude Pro or ChatGPT Plus ($20/mo) offer fixed rates but enforce message caps; direct API access bills on exact token consumption.
Cross-Model Cost Comparison (Current Session)
Comparing cost for 150,000 input tokens and 15,000 output tokens (50% cached)
| Model | Category | Per Session | Monthly Bill | Context |
|---|---|---|---|---|
Claude 3.7 SonnetACTIVE Anthropic | Frontier Reasoning | ₹40.87 | ₹13,487.51 | 200K tokens |
OpenAI o3-mini OpenAI | Frontier Reasoning | ₹16.41 | ₹5,416.41 | 200K tokens |
Claude 3.5 Haiku Anthropic | Lightweight Fast | ₹10.90 | ₹3,596.67 | 200K tokens |
GPT-4o (Omni) OpenAI | Flagship Standard | ₹37.30 | ₹12,310.03 | 128K tokens |
GPT-4o mini OpenAI | Lightweight Fast | ₹2.24 | ₹738.60 | 128K tokens |
Gemini 2.5 Pro Google | Flagship Standard | ₹16.62 | ₹5,485.99 | 2M tokens |
Gemini 2.5 Flash Google | Lightweight Fast | ₹0.997 | ₹329.16 | 1M tokens |
DeepSeek R1 DeepSeek | Frontier Reasoning | ₹7.32 | ₹2,414.91 | 64K tokens |
Frequently Asked Questions About AI Coding Agent Costs
Why do coding agents (Cursor, Claude Code, Windsurf) consume so many tokens?
Unlike normal ChatGPT conversation, autonomous coding agents must ingest full file contents, directory trees, linting logs, and previous conversational context on every single iteration loop. A single multi-file refactor can easily send 150,000 to 500,000 input tokens across 10 tool-calling turns.
How does Prompt Caching reduce developer API bills?
Anthropic and OpenAI cache identical prefix tokens (like repository files and system instructions) across sequential turns. Subsequent requests that hit the cache receive an 80% to 90% discount on input token rates, dropping Claude 3.7 Sonnet input costs from $3.00/M to just $0.30/M.
Is it cheaper to use a $20/month flat subscription or pay-as-you-go API keys?
For casual developers making 15–30 requests per day, fixed $20/month plans (Claude Pro, Cursor Pro, ChatGPT Plus) are significantly cheaper than raw API pricing. However, for heavy development teams or autonomous CI/CD pipelines running hundreds of multi-file agentic turns, API keys provide uncapped throughput without message limits.