AI margin calculator
Enter your blended numbers to see AI gross margin, cost per customer, and how you compare to published benchmarks. Every formula is shown. Nothing here is a black box.
Your numbers
Combined across all providers.
MRR from paying customers.
Results
Show formula
(AI-attributed revenue − AI spend) / AI-attributed revenue, where AI-attributed revenue = revenue × AI share
Show formula
AI spend / number of customers
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Revenue / number of customers
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AI spend / revenue
Show formula
AI spend / (1 − target margin): the AI-attributed revenue needed to cover current spend at your target margin
How you compare
Your AI gross margin and spend-as-share-of-revenue plotted against published benchmarks. Every figure below is sourced. See the caption under each bar.
Your inputs
a16z, still holding in 2026
ICONIQ State of AI, Jan 2026 (n≈300)
Kyle Poyar / Growth Unhinged 2026 monetization survey (n=230+)
Bessemer data, via SaaStr
ICONIQ State of AI, Jan 2026
Your inputs
Same survey
A blended margin hides the accounts losing you money.
This is a model, not your data. It takes your blended numbers and one assumption about how concentrated your usage is. The shape is illustrative — the point is that a single average margin cannot tell you whether any individual account is above or below the line.
Waterline replaces this estimate with the real distribution, computed from your provider invoices and your Stripe account.