AI chatbot or assistant: what to build it with and what it costs
A chat app on top of a language model, with saved conversations, usage limits and a paid plan.
Sample PRD
- Chat interface
- Saved conversation history
- Usage limits per plan
- Paid subscription
What it needs
- Text generation (LLM API): a language model writes the replies
- Email and password sign-in: conversations are saved per person
- Subscriptions: a paid plan with higher limits
- Postgres: conversation history
- Product analytics (nice to have): see how people use it
MVP: about 100 users, $1.35/mo
Someone with an idea or a solo founder. Built with an AI app builder: describe it and it builds and hosts it.
| What | Pick | Monthly |
|---|---|---|
| AI coding agent | Base44 Starter | $16 |
| Mailgun Free | $0 | |
| Payments | Stripe Standard (US cards) | $17.50 |
| Analytics & errors | PostHog Free | $0 |
| AI API | Anthropic (Claude API) Claude Haiku 5.5 | $1.35 |
Growth: about 10,000 users, $145.94/mo
A funded team or one with traction. Built with an AI coding agent for each of about 3 developers.
- Error tracking: know when something breaks
- Daily backups: daily backups once real people depend on it
| What | Pick | Monthly |
|---|---|---|
| AI coding agent | Augment Code Standard | $20 |
| Hosting | Fly.io Machine, shared-cpu-1x with 256MB RAM | $6.19 |
| Database | Neon Launch | $1.75 |
| Sign-in | Auth0 Free | $0 |
| Amazon SES A la carte | $3 | |
| Payments | Stripe Standard (US cards) | $1,750 |
| Analytics & errors | PostHog Pay as you go | $0 |
| AI API | Anthropic (Claude API) Claude Haiku 5.5 | $135 |
First cost jump: Auth0: Free limits reached, upgrade to B2C Essentials
Scale: about 100,000 users, $1,485.94/mo
An established product. Built with an AI coding agent with team billing and admin for about 10 developers.
- Error tracking: know when something breaks
- Daily backups: daily backups
- Point-in-time recovery: restore to any minute after a bad deploy
- Multi-factor authentication: two-factor sign-in for accounts worth stealing
| What | Pick | Monthly |
|---|---|---|
| AI coding agent | Augment Code Standard | $20 |
| Hosting | Fly.io Machine, shared-cpu-1x with 256MB RAM | $42.19 |
| Database | DigitalOcean Managed PostgreSQL Single node (1 vCPU, 2 GiB RAM, 30 GiB disk) | $34.75 |
| Sign-in | WorkOS AuthKit | $0 |
| Amazon SES A la carte | $30 | |
| Payments | Stripe Standard (US cards) | $17,500 |
| Analytics & errors | Sentry Team | $29 |
| AI API | Anthropic (Claude API) Claude Haiku 5.5 | $1,350 |
First cost jump: DigitalOcean Managed PostgreSQL: Single node (1 vCPU, 2 GiB RAM, 30 GiB disk) limits reached, upgrade to Single node (2 vCPU, 4 GiB RAM, 60 GiB disk)
Assumed usage: Each person sends about 30 messages a month, each with about 2,000 tokens of conversation in and 500 out.
What drives the cost
- Model tokens dominate: every message pays for input and output
- Longer conversations cost more per reply as history is resent
- Limits per plan keep heavy users from costing more than they pay
Lock-in
Prompts move between model providers easily; tune them per model.
Use this in Claude (with Kong Reviews connected at https://kongreviews.com/mcp)

