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The 2026 Claude API rate card is the floor. Your output-to-input ratio decides the bill. Here it is as a real 30-day bill across three workloads, plus the three levers that cut it.
The sticker on Lovable, Bolt, v0, Replit, Cursor, and Totalum is between $20 and $79. The 30-day bill on a real reference workload is $69 to $270. Here is what each pricing page leaves off, with the math.
The sticker price per token is the smallest line in your LLM bill. Once you add retries, embeddings, vector reads, orchestration, and the platform margin, a "simple" agent workflow lands around $0.42 per run, roughly 4× the raw model cost. This breakdown shows where the money actually goes and which three levers cut a workflow bill the fastest without touching quality.
