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LLM fine-tune cost calculator Sketch LoRA or full fine-tune GPU spend, then compare it to months of catalog API traffic on the same workload shape.
Local and GPU hub · GPU vs API · VRAM · Cost calculator
LoRA (lighter) Full fine-tune
Compare to API (catalog) API model OpenAI. ChatGPT-4o Latest OpenAI. GPT-3.5 Turbo OpenAI. GPT-4 OpenAI. GPT-4.1 OpenAI. GPT-4.1 (2025-04-14) OpenAI. GPT-4.1 Mini OpenAI. GPT-4.1 Nano OpenAI. GPT-4 Turbo OpenAI. GPT-4o OpenAI. GPT-4o (2024-08-06) OpenAI. GPT-4o mini OpenAI. GPT-5 OpenAI. GPT-5 Mini OpenAI. GPT-5 Nano OpenAI. GPT-5.6 Sol OpenAI. GPT-5.6 Terra OpenAI. GPT-5.6 Luna OpenAI. GPT-6 Astra OpenAI. GPT-6.1 Sol OpenAI. GPT-6 Luna OpenAI. o1 OpenAI. o1-mini OpenAI. o1-preview OpenAI. o3 OpenAI. o3-mini OpenAI. o4-mini Anthropic. Claude 2.1 Anthropic. Claude 3.5 Haiku Anthropic. Claude 3.5 Sonnet Anthropic. Claude 3 Haiku Anthropic. Claude 3 Opus Anthropic. Claude 3 Sonnet Anthropic. Claude Fable 5.1 Anthropic. Claude Opus 5.5 Anthropic. Claude Sonnet 5.5 Anthropic. Claude Haiku 5.5 Anthropic. Claude Haiku 4.5 Anthropic. Claude Opus 5 Anthropic. Claude Opus 4.6 Anthropic. Claude Opus 4.8 Anthropic. Claude Sonnet 4.6 Anthropic. Claude Sonnet 5 Google. Gemini 1.0 Pro Google. Gemini 1.5 Flash Google. Gemini 1.5 Flash-8B Google. Gemini 1.5 Pro Google. Gemini 2.0 Flash Google. Gemini 2.0 Flash-Lite Google. Gemini 2.0 Pro Exp Google. Gemini 2.5 Flash Google. Gemini 2.5 Flash-Lite Google. Gemini 2.5 Pro Google. Gemini 3.1 Flash-Lite Google. Gemini 3.1 Pro Google. Gemini 3 Flash Google. Gemini 3.8 Flash Google. Gemma 3 27B DeepSeek. DeepSeek Chat DeepSeek. DeepSeek Coder DeepSeek. DeepSeek R1 DeepSeek. DeepSeek R1 Distill Qwen 32B DeepSeek. DeepSeek Reasoner DeepSeek. DeepSeek V3 DeepSeek. DeepSeek V4 Flash DeepSeek. DeepSeek V4 Pro DeepSeek. DeepSeek VL xAI. Grok 2 xAI. Grok 2 Mini xAI. Grok 2 Vision xAI. Grok 3 xAI. Grok 3 Mini xAI. Grok 4.7 xAI. Grok 4.6 xAI. Grok 4 xAI. Grok 4 Fast xAI. Grok Beta xAI. Grok Vision Beta Mistral. Codestral Mistral. Ministral 8B Mistral. Mistral Large (2407) Mistral. Mistral Large 3 Mistral. Mistral Medium 3 Mistral. Mistral Nemo Mistral. Mistral Saba Mistral. Mistral Small Mistral. Mistral Tiny Mistral. Open Mixtral 8x22B Mistral. Open Mixtral 8x7B Mistral. Pixtral 12B Groq. DeepSeek R1 Distill Llama 70B (Groq) Groq. Gemma 7B (Groq) Groq. Gemma 2 9B (Groq) Groq. Llama 3.1 8B Instant (Groq) Groq. Llama 3.2 11B Vision (Groq) Groq. Llama 3.2 1B (Groq) Groq. Llama 3.2 3B (Groq) Groq. Llama 3.3 70B (Groq) Groq. Llama 3.3 70B SpecDec (Groq) Groq. Llama 4 Scout (Groq) Groq. Llama Guard 3 8B (Groq) Groq. Mixtral 8x7B (Groq) Groq. QwQ 32B (Groq) Groq. Qwen3 32B (Groq) Cohere. Command A Cohere. Command Light Cohere. Command Nightly Cohere. Command R Cohere. Command R (08-2024) Cohere. Command R+ Cohere. Command R+ (08-2024) Cohere. Command R7B Together AI. DeepSeek R1 (Together) Together AI. DeepSeek V3 (Together) Together AI. Llama 3.1 70B (Together) Together AI. Llama 3.1 8B (Together) Together AI. Llama 3.2 3B (Together) Together AI. Llama 3.3 70B (Together) Together AI. Llama 4 Maverick (Together) Together AI. Mistral 7B (Together) Together AI. Mixtral 8x22B (Together) Together AI. Qwen2.5 72B (Together) Together AI. Qwen2.5 7B (Together) Together AI. Qwen2.5 Coder 32B (Together) Fireworks. DeepSeek R1 (Fireworks) Fireworks. DeepSeek V3 (Fireworks) Fireworks. Llama 3.1 70B (Fireworks) Fireworks. Llama 3.1 8B (Fireworks) Fireworks. Llama 3.2 3B (Fireworks) Fireworks. Llama 3.3 70B (Fireworks) Fireworks. Llama 4 Maverick (Fireworks) Fireworks. Mixtral 8x22B (Fireworks) Fireworks. MythoMax L2 13B (Fireworks) Fireworks. Qwen2.5 32B (Fireworks) Fireworks. Qwen2.5 72B (Fireworks) $2.00/1M in · $10.00/1M out · verified 2026-10-09
Results Fine-tune GPU cost (lora): $21.00 API per request: $0.007 · monthly $700.00 API over 6 months: $4200.00 Fine-tune GPU bill is lower than 6 months of API on this traffic shape (serving cost not included). Sources and references Official documentation used for definitions, counting methods, or rate cards. Always confirm critical budgets on the provider page.
FAQ
Are fine-tune GPU hours Exact? No. Hours and $/hr are editable planning inputs. Measure on your trainer and cloud quote.
Why is LoRA cheaper in this model? The LoRA toggle applies a simple 0.35x factor to GPU hours as a planning shortcut. Your real LoRA vs full FT ratio depends on rank, data, and framework.
Should I fine-tune or keep paying API? Compare train cost plus serving cost to continued API spend over your horizon. Quality and ops risk sit outside this spreadsheet.