Calculate monthly and 3-year Total Cost of Ownership (TCO) plus break-even month comparing Cloud LLM APIs (OpenAI, Anthropic) against self-hosted GPU clusters (RTX 5090, A100, H200).
3-Year Cloud API TCO
46,800 PLN
Monthly Cloud API cost: 1,300 PLN
3-Year Self-Hosted GPU TCO
61,994 PLN
CAPEX: 24,000 PLN · OPEX/m: 1,055 PLN
Break-even month
98.1 months
Recommended architecture: Cloud LLM API
3-Year net savings with Self-Hosted GPU
-15,194 PLN
36 months
Reference model values (36-month hardware amortization, 24/7 operation, zero proprietary license fees).