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Which AI model should your business use in 2026? A cost-per-task guide

The same 10,000-email job costs $3 a month on one model and $300 on another. How to pick without overpaying.

Most businesses pick an AI model the way they pick a phone: the newest flagship. For automation that runs thousands of times a month, that habit can multiply your bill by 100 with no visible gain.

One job, six prices

Take a common job: reading 10,000 customer emails a month, classifying each one and drafting a reply. Assume about 1,500 tokens in (the email plus instructions) and 300 tokens out per email. That is 15 million input tokens and 3 million output tokens a month.

ModelList price per 1M tokens (in / out)Monthly cost for this job
Claude Haiku 5.5$0.10 / $0.50$3
Claude Sonnet 5.5$2 / $10$60
Gemini 4 Argon (introductory price)$2 / $10$60
Claude Opus 5.5$4 / $20$120
Claude Fable 5.2$8 / $40$240
GPT-6 Astra$10 / $50$300

List prices from each provider, before taxes and before prompt-caching discounts, which can cut repeated input costs sharply. Gemini 4 Argon's price rises to $4 / $20 after its introductory period.

For sorting and drafting routine emails, the $3 model and the $300 model will often produce replies a customer cannot tell apart. Spend the difference where it matters.

Match the model to the task

Task typeExamplesStart with
High volume, simpleTagging enquiries, extracting invoice fields, FAQ replies, call summariesCheapest tier (Haiku 5.5, GPT-6 Luna, DeepSeek V4.1-Flash)
Everyday professionalProposals, report drafts, sales follow-ups, data clean-up with judgementMid tier (Sonnet 5.5, GPT-6 Sol, Gemini 4 Argon)
Hard, high-stakes, low volumeComplex code changes, contract analysis, multi-step research, security reviewTop tier (Opus 5.5, Fable 5.2, GPT-6 Astra)
Data cannot leave your serversPatient records, legal files, internal financialsOpen weights you host yourself (DeepSeek V4.1-Flash, Muse Spark Open, Sarvam)

Route, don't choose

The better design is not one model but a router. A cheap model handles every request first and passes only the hard cases up to an expensive one. If 90% of the 10,000 emails above are routine and 10% go to Opus 5.5, the bill is about $15 a month instead of $120, and the hard cases still get the strong model.

Five checks before you commit

  • Test on your own data. Run 50 real examples through two or three models and compare. Public benchmarks measure other people's tasks.
  • Count tokens, not users. API pricing is per token. Long documents and long chat histories drive cost far more than headcount.
  • Check where data goes. India's DPDP Rules were notified in November 2025, with most obligations phasing in over about 18 months. Know which provider processes personal data and where.
  • Plan for price changes. This quarter alone, Google announced Argon's price will double after an introductory period, while DeepSeek and OpenAI cut prices. Keep the model swappable.
  • Keep a human in the loop for anything that sends money, signs a contract or reaches a customer without review.

Want this done for your processes? Our AI Transformation Assessment maps which of your tasks fit which tier, and our free AI readiness audit is a quick first check. Also see every model launched this quarter.

Sources

Checked on 10 November 2026. Model names, prices and availability change quickly; confirm on the provider's page before you budget.

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