AI SaaS pricing calculator
Work backwards from cost: what must a plan cost to hit your target gross margin after AI, hosting and payment fees?
Minimum monthly price
$18.28
A $19/month plan meets a 75% target.
- Variable cost per user (incl. fixed fee)
- $4.04
- Suggested price point
- $19
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How it works
Payment fees are part of the calculation because the percentage fee grows with the price. With $3.24 AI cost, $0.50 other cost, a $0.30 fixed fee, 2.9% processing and a 75% target, the minimum price is about $18.28 — so a $19 plan works and a $15 plan doesn't.
Protecting the margin
- Price on heavy users, not the average.
- Use credits, fair-use limits or usage tiers for expensive actions.
- Revisit prices when you change models or providers change theirs.
More in how to price an AI SaaS.
Frequently asked questions
What target margin should I use?
Many SaaS businesses aim for 70–80%. AI products often start lower and improve with model mix, caching and pricing changes.
Why is there no result?
If the target margin plus the percentage payment fee reaches 100%, no price can achieve it. Lower the target.
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