GPU Cost Calculator: Rent vs Buy

Compare costs for buying and renting GPU hardware, using live rental pricing. For more considerations and context, see our Rent vs Buy companion article.

Over 3 years, renting the NVIDIA RTX 5090 ends up $1,158 cheaper than buying it. Buying: $3,416 hardware depreciation + $805 electricity. Renting: $3,063 total spend.
Usage

173 hours / month

Time horizon
years
Rental type
Rental commitment

Billed per hour used.

Running costs
/kWh
Annual changes

Assumptions about future price changes (annual).

%
%
%

Buy

Indicative price. Edit to match your build.

Specs / performance

32GB VRAM @ 1,792 GB/s; 575W TDP

Model sizePrefillDecode

$7,000
upfront
$21–23
monthly ongoing

Costs over 3 years$7,805

Hardware
$7,000
Electricity (@ 107 kWh / month)
$805

Assets after 3 years$3,584

Hardware
$3,584
Net Costs$4,221
Average monthly net cost over 3 years:$117

Rent

/ hrThe lowest available on-demand rate across 3 providers.

Specs / performance

32GB VRAM @ 1,792 GB/s; 575W TDP

Model sizePrefillDecode

$0
upfront
$81–89
monthly ongoing

Costs over 3 years$3,063

On-demand rental (@ 173 hrs / month)
$3,063

Assets after 3 years$0

Net Costs$3,063
Average monthly net cost over 3 years:$85
HardwareElectricityBuy (net)Rent
$0.0$2.0K$4.0K$6.0K$8.0K01y2y3yBuy (gross)Buy (net)Rent
Show these numbers as a table
ElapsedBuy (cash)Buy (net)Rent
At purchase$7,000$0$0
1y$7,260$1,660$991
2y$7,529$3,049$2,012
3y$7,805$4,221$3,063
Assumptions behind these numbers
  • Usage: 8h/day, 5 days/week, or a total of 173 hours/month.
  • On-demand instances are only enabled and billed while in use.
  • Electricity at $0.20/kWh, rising 3%/year. Power draw is 100W plus 90% of the GPU's TDP — 618W average while in use.
  • Hardware value changes -20%/year, so $7,000 of kit is worth $3,584 after 3 years. Net Costs are the cash spent minus that end value; the dashed Buy (net) line plots that net cost of ownership to date.
  • Purchase prices are approximate. Edit the buy price to match your specific build.
  • Rental rates are the lowest on-demand price across all the cloud providers we track.
  • Rental prices rise 3%/year from today's rate.
  • Supported model size and prefill/decode speed estimates are indicative. See our companion article for speed test results on a range of hardware. Always test hardware before purchasing.
  • Model size classes are based on those discussed in our companion article, in line with Artificial Analysis' open model size classes. In some cases, 4-bit quantisation is required.
  • This calculator focuses on single-GPU setups aimed at single-user inference, with a total purchase cost below $20k. For high-demand multi-user inference, consider larger multi-GPU pods.