OverpayingForAIPricing desk

Document summarisation: what it costs and which AI to use

Turn reports, contracts, articles or emails into a short summary or a set of key points. Operations, legal, research and finance teams processing a steady stream of long documents.

The short answer

At 2,000 documents a month, we estimate $1.86 on DeepSeek V4 Flash 0423 (the cheapest model that cleared our quality bar), $10.80 on Mistral Large 3 2512, and $126 on GPT-5.5. The flagship costs 12x the middle pick. Judged on summarising and structured-extraction tasks: missed facts and made-up facts are the failures.

Simulate your document summarisation

Pick a job, set how much of it you do, and see what every model would cost. Defaults are typical, not yours. Change them.

Prompt, history, documents

What the model writes

Advanced: caching, reasoning, retries, discounts

Share that can use cached-input prices where a model offers them

1 = none. 2 = hidden thinking doubles billed output

Extra calls on top of the base count

Batch jobs or committed spend. Check your provider; we assume none by default

Lowest benchmark score a model can have and still be picked. Higher is stricter.

Limit to certain providers

Untick any provider you cannot use, for data-residency, contract or policy reasons. Picks are recalculated.

2,000 documents a month, three ways to pay

Every model here cleared a score of 9.0 out of 10 on our summarise, extract json benchmark tasks, ran without errors and fits a 32K-token window. 21 of 386 priced models qualify.

Budget pick

Cheapest model that clears the bar.

DeepSeek V4 Flash 0423

DeepSeek
$1.86a month
Per document
$0.0009
Benchmark
9.50 / 10 · 6 prompts
Context
1.05M tokens
Middle pick

Priced near the middle of the models that clear the bar; best score there.

Mistral Large 3 2512

Mistral AI
$10.80a month
Per document
$0.0054
Benchmark
9.50 / 10 · 6 prompts
Context
262K tokens
Flagship default

What many people reach for first.

GPT-5.5

OpenAI
$126a month
Per document
$0.063
Benchmark
9.50 / 10 · 6 prompts
Context
1.05M tokens

Choosing GPT-5.5 over Mistral Large 3 2512 costs $115 more a month, $1,382 a year (12x the price).

Both scored 9.50 out of 10 on this kind of work. The extra money buys safety margin our benchmark cannot measure: it is 24 short prompts, and most passing models score near the top. If a wrong answer is costly for you, that margin can be worth it. Test on your own data before you decide.

If it grows

Pay-per-use cost scales in a straight line. Monthly cost at 1x, 3x, 10x and 100x today's volume.

Model1x · 2,0003x · 6,00010x · 20K100x · 200K
DeepSeek V4 Flash 0423$1.86$5.57$18.56$186
Mistral Large 3 2512$10.80$32.40$108$1,080
GPT-5.5$126$378$1,260$12,600

What a budget buys

  • DeepSeek V4 Flash 0423
    108K
    documents a month, about 3,591 a day
  • Mistral Large 3 2512
    19K
    documents a month, about 617 a day
  • GPT-5.5
    1,587
    documents a month, about 52 a day

Every model, priced for your workload

41 models, 15 hidden because their window is smaller than 32K tokens.

ModelA monthPer documentBenchmarkContext
DeepSeek V4.1 Flash
DeepSeekbelow the bar
$1.41$0.00078.33 (6)1.05M
DeepSeek V4 Flash 0423
DeepSeekBudget pick
$1.86$0.00099.50 (6)1.05M
Llama 4 Scout
Meta
$2.16$0.00119.50 (6)1.31M
Ministral 3 8B 2512
Mistral AI
$2.88$0.00149.33 (6)262K
GLM 5.3
Z Aibelow the bar
$2.94$0.00158.67 (6)1.05M
Qwen3.8 Flash
Alibababelow the bar
$3.26$0.00168.17 (6)1M
GLM 5.3 Flash
Z Ai
$3.30$0.00169.33 (6)1.05M
Mistral Small 4
Mistral AI
$3.42$0.00179.50 (6)262K
Qwen3.8 27B
Alibababelow the bar
$4.95$0.00255.83 (6)1.02M
GPT-5.4 Nano
OpenAI
$5.10$0.00269.50 (6)400K
MiniMax M2.5
Minimax
$6.00$0.00309.33 (6)205K
Muse Glimmer 30B
Metabelow the bar
$6.84$0.00348.50 (6)131K

Benchmark = mean judge score out of 10 on the summarise, extract json prompts of the Model Playground, with the number of prompts in brackets. Models marked n/a have no benchmark run, so we do not guess their quality. How the benchmark works.

What we assumed

  • An average document is about 6,500 words, roughly 9,000 tokens.
  • The summary is about 450 words, roughly 600 tokens.
  • No caching, because every document is different.

These are typical numbers, not measurements of your business. Edit them in the simulator above.

What drives the cost

Input dominates: the document is long and the summary is short, so the input price per million tokens is what you pay.

Watch out for

  • Check the context window. A 100-page contract can run past 100,000 tokens, which rules out some cheap models.
  • If you summarise the same document several ways, cache it. The second read is much cheaper on models that support caching.

Questions people ask

How much will document summarisation cost per month?

At 2,000 documents a month, we estimate $1.86 a month on DeepSeek V4 Flash 0423, the cheapest model that clears our quality bar for this job. Mistral Large 3 2512 costs $10.80 and GPT-5.5 costs $126. These are estimates from the assumptions listed on this page, not a quote. Change the numbers to match your own volume.

What is the cheapest AI model for document summarisation?

On current OpenRouter prices, DeepSeek V4 Flash 0423 from DeepSeek is the cheapest model that cleared our bar of 9.0 out of 10, scoring 9.5/10 on 6 benchmark prompts for this kind of work. The benchmark is small, so treat it as a shortlist and test on your own data before switching.

Is it worth paying for a flagship model for document summarisation?

On our benchmark, GPT-5.5 scored 9.5/10 on this kind of work, and a model priced near the middle of the models that cleared the bar, Mistral Large 3 2512, scored 9.5/10, while the flagship costs 12x as much. A flagship buys safety margin the benchmark cannot measure. If a wrong answer is expensive for you, that can be worth paying for. If not, you are probably overpaying.

What happens to the cost if document summarisation grows ten times?

Pay-per-use pricing scales in a straight line, so ten times the documents is ten times the bill. Use the growth table on this page to see 3x, 10x and 100x for the same three models.

What makes document summarisation expensive?

Input dominates: the document is long and the summary is short, so the input price per million tokens is what you pay.

Price a different job

Related

If our calculators helped you cut down on hidden AI wallet leaks, thanks for using them. A tiny fraction of your savings is what keeps our pricing indexes updated daily.

Not sure which AI is cheapest for your use case? Find out in 30 seconds — no signup required.

AI cost intelligence

Stop overpaying for AI tools

Join the OverpayingForAI list for pricing updates, cheaper alternatives, and practical buying guidance.

Now tracking 50+ AI tools, models, platforms, subscriptions, coding tools, and automation products.

We use your email only for OverpayingForAI updates. Unsubscribe anytime.