cost calculator
When does self-hosting pay back?
Enter your monthly volume. We'll show the crossover month against three popular API providers, factoring in EU electricity, VPS rent and hardware amortised over 36 months.
API monthly bill
€4.80
Self-hosted monthly cost
€22.92
(€2.12 elec · €20.81 amort · €0 VPS)
verdict
At this volume, the API costs less than self-hosting. Stay on Anthropic Claude Haiku 3.5.
━━ API · Anthropic Claude Haiku 3.5━━ self · Mac Mini M4 16 GB (home)
Assumptions
- Electricity: €0.21/kWh (EU average mid-2026).
- Hardware amortised over 36 months, residual value €0.
- VPS pricing: Hetzner CX22 €5/mo, CX32 €25/mo, CX42 €58/mo.
- API pricing as of April 2026 (subject to change without notice).
- Numbers exclude engineer-time to set up and maintain. Self-hosting has real ops overhead — see our 14-month retrospective for the qualitative cost.