Datos Insights | AI Economics

The AI Cost Iceberg

Project TCO & ROI estimator. The token bill is only the tip; the real cost sits below the waterline.
TOKENS & API
$22K/yr
Hidden cost
$147K/yr
86% below the waterline

Inputs

i
15%
i
i
i
i
i

The verdict

Year 1
Favorable ROI
All-in cost
$169K
ROI
81%
Ongoing yr 2+
Favorable ROI
All-in cost
$169K
ROI
81%
Annual benefit (same both years)
$306K
3-year total cost (yr 1 + 2 ongoing years, no discounting)
$462K
Cost per resolved case (yr 1 / ongoing) $4.20/$2.10
Benefit per resolved case $9.00
Break-even volume (year 1) 12K cases / yr

Where the money actually goes

Illustrative TCO model. Cost fractions anchored in Datos Insights research. Token cost is estimated from volume × complexity, then grossed up to true cost via the iceberg multiplier (set by maturity, deployment, and exception rate). A one-time build/integration cost, scaled by complexity, maturity, deployment model, environment, and annual volume, is added on top and amortized into year 1. Customer-facing audience raises compliance costs substantially and HITL costs slightly; legacy integration environments raise engineering (one-time) and infrastructure (ongoing) costs; lower AI maturity raises HITL and change-management costs. Not modeled: the cost of erroneous decisions (false positive or false negative), such as a wrongly denied account or a mispaid claim.
Datos Insights | AI Economics

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