What your MRR is really worth: an AI margin calculator · Okane Land
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Your numbers<br>Monthly price What one customer pays you per month.
Paying customers How many are subscribed right now.
Model you build on Sets a rough blended token price. Edit the number below if you know your real blend.<br>Haiku / GPT-minicheap, fast Sonnet / GPT-classmid Opus / frontierpremium Open / self-hostestimate
Blended token price Auto-set by your model. Directional, last set Jun 2026.<br>$/ M tok
Tokens per user / month Millions of tokens an average user burns.<br>M tok
Monthly churn Share of customers who leave each month.
Sales on international cards Higher card fees plus currency conversion.
Sales tax / VAT you remit Set 0 if it is added on top and is not your liability.
The screenshot, minus everything<br>Gross MRR $10,000<br>→ You keep $3,260
That is 33% of the number you would screenshot.<br>Gross revenueprice × paying customers $10,000<br>Token billyour metered cost of goods − $5,000<br>Card feesprocessing, international, conversion − $540<br>Failed paymentsexpired and declined cards, no dunning − $900<br>Refunds and disputesreversed sales keep their fee, chargebacks − $300<br>Tax you remitflows through, flows back out − $0<br>What you actually keep $3,260
Per customer, you keep $6.52 of the $20.00<br>they pay. At 6.1% monthly churn, you replace about<br>31 customers a month just to stand still.
Your token cost is above your price. A user this heavy costs you more than they pay. A flat fee on a metered cost only works if you cap the heavy tail with rate limits.
What the math assumes<br>These are starting points from the research, not your receipts. Change any of them to your real number, that is the point.<br>Failed payments % of gross treated as uncollected, the midpoint of common dunning-loss estimates. Baremetrics<br>Refunds and disputes % of gross since a reversed sale keeps its processing fee and a chargeback carries a flat cost. Stripe<br>Card fees 2.9% plus $0.30 domestic, rising toward 5.4% on the international share you set, plus a small conversion slice. Computed, not editable. Stripe<br>Token cost your tokens per user times the blended price you set. Real bills move with the input and output mix and with caching, and inference keeps falling, so treat it as directional, not a quote. Epoch AI<br>One month a snapshot of your current base. It is built to show the gap between gross and kept, not to file your taxes.<br>The token bill is the margin you do not have. Mature SaaS runs at 70 to 80% gross margin because hosting amortizes toward zero. AI does the opposite: every query is metered, so inference becomes the dominant cost at scale. Industry AI gross margins sit near 52%, not 80%.
Cheap and self-serve is where churn is worst. Products under $25 a month churn around 6.1% monthly, roughly half the base in a year. Over $250 a month, retention jumps near 70%. For most solo AI products the move is up-market, not more users.
The cheapest income is the income you already earned. Failed and declined cards are 20 to 40% of all churn, and around 9% of MRR can simply fail to collect. Dunning, the automated retries and card-update nudges, claws it back with zero new customers.
Compare notes<br>Bring the number you actually kept.<br>When you have run this on something real, Okane Land is where people making money with AI compare real margins, the fees and churn eating them, and what actually landed in the bank. The full breakdown, with every source, is in the economics piece.<br>Join the community ↗
Numbers are directional, not financial advice.
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