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Sample report. All numbers are illustrative. List prices are real as of Oct 31, 2026. Company, usage and findings are invented.

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Example Co.

14 engineers · B2B support software

Version
v1, prepared for Example Co.
Date
Nov 3, 2026
Billing period
Oct 1 to Oct 31, 2026
Sources
Anthropic Console cost export · OpenAI usage export (cost data) · Google Cloud Billing report · AWS Cost Explorer (Bedrock) · Together AI cost analytics · Claude Code analytics · Cursor team analytics
Prepared by
ModelPar, [email protected]

Summary

October spend $26,234 ($315K a year at this rate)
Savings with no model change $6,854 a month (26%)
More if one model swap passes testing $2,067 a month
Coding-agent seats $2,158 a month by moving 4 engineers from API billing to Team seats
Billing hygiene 5 fail · 1 warning · 3 pass

Two workloads are 51% of spend: the support agent (26%) and nightly contract extraction (25%). Both have a fix that doesn't change the model.

1. Monthly spend by provider and model

October spend by model
  1. claude-sonnet-5-5 $9,096
  2. gpt-6.1-sol $6,500
  3. claude-opus-5-5 $4,718
  4. gemini-3.8-flash $2,813
  5. claude-sonnet-5-5 (Bedrock) $1,538
  6. claude-sonnet-5-5 (in Cursor) $623
  7. DeepSeek-V4.1-Flash $616
  8. Cursor seats $270
  9. text-embedding-3-small $62
WorkloadProviderModelOctoberShare
Support agent Anthropic API claude-sonnet-5-5 $6,920 26.4%
Contract extraction (nightly) OpenAI gpt-6.1-sol $6,500 24.8%
Call summaries Google Gemini API gemini-3.8-flash $2,813 10.7%
Claude Code, API key (5 engineers) Anthropic API claude-opus-5-5 $2,610 9.9%
Ticket triage Anthropic API claude-sonnet-5-5 $2,176 8.3%
Support agent, EU customers AWS Bedrock claude-sonnet-5-5 $1,538 5.9%
Evals and staging Anthropic API claude-opus-5-5 $1,152 4.4%
Escalation drafts Anthropic API claude-opus-5-5 $956 3.6%
Third-party model usage, incl. Cursor Token Rate Cursor claude-sonnet-5-5 $623 2.4%
Search query rewriting Together AI DeepSeek-V4.1-Flash $616 2.3%
Coding-agent seats Cursor Teams, 9 Premium seats $270 1.0%
Embeddings OpenAI text-embedding-3-small $62 0.2%
Total $26,234 100%

By provider: Anthropic API $13,814 (52.7%) · OpenAI $6,562 (25.0%) · Google Gemini API $2,813 (10.7%) · AWS Bedrock $1,538 (5.9%) · Cursor $893 (3.4%) · Together AI $616 (2.3%).

2. Effective vs list price, per 1M tokens

Effective price is billed cost divided by tokens. Input is blended across uncached input, cache reads and cache writes.

Model Provider, workload List in / out Effective in / out What explains the gap
claude-sonnet-5-5 Anthropic API, support agent and triage $2.00 / $10.00 $1.48 / $10.00 Only 35% of support-agent input comes from cache. Triage has no caching.
claude-opus-5-5 Anthropic API, Claude Code $4.00 / $20.00 $0.48 / $20.00 94% of input is cache reads. Working as intended.
claude-opus-5-5 Anthropic API, escalations and evals $4.00 / $20.00 $3.32 / $20.00 Little caching. Low volume, low priority.
claude-sonnet-5-5 AWS Bedrock, EU In-Region $2.00 / $10.00 $0.62 / $11.00 In-Region endpoint adds 10%, required for EU data residency. Caching is healthy (76%).
gpt-6.1-sol OpenAI, contract extraction $2.00 / $10.00 $1.61 / $10.00 Runs on the Standard tier although nobody waits on it. Batch is half price.
gemini-3.8-flash Google, call summaries $0.75 / $3.75 $0.75 / $3.75 No caching. List price rises to $1.50 / $7.50 on Jan 1, 2027.
DeepSeek-V4.1-Flash Together AI, query rewriting $0.30 / $1.20 $0.21 / $1.20 Cached input on the shared prompt.
text-embedding-3-small OpenAI, embeddings $0.020 / n/a $0.020 / n/a At list.

No account has a negotiated discount or commit. Anthropic spend, including Bedrock, runs at $184K a year, under the $250K threshold for a negotiated process. Comps shows what teams in your band get once you contribute your terms.

3. Three savings opportunities

# Opportunity Now After Monthly savings Model change? Effort
1 1. Fix prompt caching on the support agent $6,920 $3,316 $3,604 No 1 to 2 hours
2 2. Move nightly contract extraction to the Batch API $6,500 $3,250 $3,250 No Half a day
3 3. Route ticket triage from claude-sonnet-5-5 to claude-haiku-5-5 $2,176 $109 $2,067 Yes, test first 1 day plus test
  1. Support agent caching. The system prompt starts with the current timestamp and the customer's plan name, so the 11K-token prefix of instructions and 14 tool definitions changes on every request and rarely matches the cache. Move both fields below the cache breakpoint. Effective input price drops from $1.36 to about $0.50 per 1M tokens.
  2. Batch for extraction. The job runs from 1am to 5am and nobody reads its output until morning. The Batch API costs 50% less and guarantees completion within 24 hours rather than 4, so the only tradeoff is that a slow batch could land later in the day. Same model, same output.
  3. Haiku for triage. Triage picks one of 23 labels and a priority. claude-haiku-5-5 costs $0.10 / $0.50 per 1M tokens against $2.00 / $10.00. Check label accuracy and escalation recall on 50 labeled tickets before switching.

4. Seat vs API: coding agents

All 5 engineers use Claude Code on a Console API key, billed at API rates (mostly claude-opus-5-5).

Engineer Oct API bill Active days Best option Option cost Difference Fit
Engineer A $1,305 21 Team Premium seat $125 −$1,180 Borderline. Heaviest weeks may exceed Premium limits. Keep the API key as overflow.
Engineer B $783 20 Team Premium seat $125 −$658 Likely fits
Engineer C $339 17 Team Premium seat $125 −$214 Likely fits
Engineer D $131 9 Team Standard seat $25 −$106 Likely fits
Engineer E $52 4 Stay on API $52 $0 Below the price of any seat
Total $2,610 $452 −$2,158

Seat prices are Claude Team monthly rates ($100 and $20 a seat billed annually). Anthropic doesn't publish plan limits as token counts, so fit is estimated from active days, peak weeks and session length. Trial seats for A and B for 2 weeks before committing.

Cursor

9 Teams Premium seats ($30 each) include Cursor's own models only. Claude usage inside Cursor bills at API list price, $341 in October, plus Cursor's Token Rate of $0.25 per 1M tokens, another $282. The rate applies to cached tokens too, and 93% of those 1,127M tokens were cache reads, so it costs 2.5 times the $0.10 cache-read price itself. Engineers on Claude Team seats can run that work in Claude Code instead.

5. Routing card

Task type Now Recommended Cost per task Basis
Support reply (one agent turn) 300K in October claude-sonnet-5-5, high claude-sonnet-5-5, high (test medium) $0.023 to $0.011 Caching fix only
Escalation draft 9K in October claude-opus-5-5, high claude-opus-5-5, high $0.106 (no change) Hardest 3% of tickets
Ticket triage 320K in October claude-sonnet-5-5, high claude-haiku-5-5, low $0.007 to $0.0003 To test
Contract extraction 210K in October gpt-6.1-sol, Standard tier gpt-6.1-sol, Batch tier $0.031 to $0.015 Same model
Call summary 95K in October gemini-3.8-flash via gemini-flash-latest gemini-3.1-flash-lite, pinned $0.030 to $0.010 To test before Jan 1, 2027
Search query rewrite 2.1M in October DeepSeek-V4.1-Flash openai/gpt-oss-120b $0.0003 to $0.0002 To test
Coding: feature work claude-opus-5-5, xhigh, API key claude-opus-5-5 on Team Premium, high Seat See seat table Est. fits for 3 of 4 heavy users
Coding: tests and small fixes claude-opus-5-5, xhigh claude-sonnet-5-5, medium Seat To test on 10 merged PRs Frees Premium limits for feature work

"To test" means the recommendation comes from billing data and published prices only. Step 3, the model and effort map, checks it on your own tasks before you switch.

6. Billing hygiene

Check Result Detail
Spend limit on every production project Fail OpenAI project extraction-backfill has no monthly limit or alert.
Production calls pin a model version Fail The call-summary service calls gemini-flash-latest. When the alias moves, quality and price change without a deploy.
Credits applying to invoices: Google Fail $15,000 in credits sit on billing account example-co-main. The Gemini API project bills to example-co-ai, so October's $2,813 was paid in full.
Credits applying to invoices: OpenAI Pass $5,000 credit expiring Dec 31, 2026 applies in full at current usage.
Evals and staging on separate keys Fail $1,152 of eval runs used the production Anthropic key, sharing its rate limits and blending into production cost.
Runaway-loop guard Warning Oct 18 to 19: the triage worker retried a failing batch for 31 hours, 198M extra input tokens, $412. Add a retry cap and a daily per-key limit.
Idle seats Fail 3 of 9 Cursor seats had no activity in 30 days ($90 a month).
Usage alerts Pass Anthropic and Together alerts at 80% of monthly budget.
Data-residency surcharge matches policy Pass Bedrock In-Region (+10%) is used only for EU customers.

7. Models worth testing

Model List in / out per 1M For Why What to check
claude-haiku-5-5 Anthropic $0.10 / $0.50 Ticket triage 1/20th of claude-sonnet-5-5's price Label accuracy and escalation recall on 50 labeled tickets
gemini-3.1-flash-lite Google $0.25 / $1.50 Call summaries gemini-3.8-flash rises to $1.50 / $7.50 on Jan 1, 2027. Without a change, this workload goes from $2,813 to $5,625 a month. Action-item recall on 30 calls. Also try gemini-3.5-flash-lite.
gpt-6.1-terra OpenAI $1.00 / $5.00 $0.50 / $2.50 Batch Contract extraction Half the price of gpt-6.1-sol. With Batch, extraction would cost $1,625 a month. Released Oct 26, 2026. Field-level accuracy on 30 contracts
openai/gpt-oss-120b Together AI $0.15 / $0.60 Query rewriting Half the input price of DeepSeek-V4.1-Flash. Served quantized (MXFP4), so it belongs in the nightly canary. Click-through on rewritten queries
claude-sonnet-5-5 at medium effort Anthropic $2.00 / $10.00 Coding: tests and small fixes Opus at xhigh on every task is the most expensive setting Pass rate on 10 recently merged PRs

8. Next steps

  1. This week: move the timestamp and plan name below the cache breakpoint in the support agent. About $3,604 a month.
  2. This week: switch nightly extraction to the Batch API. About $3,250 a month.
  3. This week: pin the call-summary model version, add a limit to extraction-backfill, move evals to their own key, and remove 3 idle Cursor seats.
  4. Before Jan 1, 2027: test gemini-3.1-flash-lite on call summaries.
  5. Next 2 weeks: trial Team Premium seats for engineers A and B, keeping the API key as overflow.
  6. Optional: a model and effort map (step 3) for triage, extraction and coding agents.

Methodology

List prices come from each provider's public pricing page, checked Oct 31, 2026. Effective price is billed cost divided by tokens, including cache reads and writes, batch discounts and regional surcharges, before credits. Savings assume October volumes and current list prices; they are estimates, not guarantees. Recommendations marked "to test" are not yet checked on your tasks. Plan limits are not published as token counts, so seat fit is an estimate.

Price sources: Anthropic · OpenAI · Google · Together AI · Cursor

Example Co. · AI bill teardown · v1 · Nov 3, 2026 · Confidential