Aug 14 2026
Artificial Intelligence

How Small Businesses Can Control AI Spending with Token-Based Pricing

Agentic AI is pushing token costs well beyond early estimates, and small businesses need a clear strategy for connecting AI spending to real results before costs spiral.

Small and midsize businesses adopting AI are hitting an unexpected reality: Costs are harder to predict than expected. As AI shifts from simple chatbots toward more autonomous, multistep workflows, "What is this actually costing us?" becomes harder to answer.

That's driving interest in "AI tokenomics" — how organizations track the cost, efficiency and value of their AI use. According to IDC, 50% of SMBs will significantly adjust their IT budgets for AI by 2027. Building a cost strategy now can prevent surprises later.

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What Is AI Tokenomics?

Ashish Nadkarni, group vice president and global domain lead for enterprise infrastructure at IDC, says tokenomics is about understanding the relationship between what you ask AI to do and what it costs.

"Tokenomics is the cost of a token and the economics surrounding how many tokens you need to get a task done," Nadkarni says.

A token is the basic unit of work inside an AI system — a small chunk of text it processes. Every prompt and response consumes tokens; the more complex the task, the more tokens it uses.

"Think of an AI token as a way to tie together all of the different resources to get an outcome accomplished," Nadkarni says.

The same tool can cost dramatically different amounts depending on how you use it. A simple question uses very few tokens; a multistep workflow — researching a topic, drafting a response, and scheduling a follow-up — can use far more.

DIVE DEEPER: Learn what you'll need to build a foundation for scalable AI.

Why Agentic AI Is Driving Up Costs

The shift toward "agentic AI" — tools that work autonomously toward a goal rather than responding to a single prompt — is where businesses most often see token costs spike.

"Once you fire off an agentic AI work stream, it's not going to stop till it accomplishes the outcome," Nadkarni says.

These tools can automate tasks effectively, but they can also run inefficiently without any visibility into what's happening.

"In the process, it might be inefficient or doing things that are extraneous," he says. "Nobody has a way to look at the efficiency of that work stream."

Redundant steps, unnecessary lookups and poorly configured workflows drive up token use without better results. Companies using AI agents report 55% higher operational efficiency, but only when those systems are properly set up and managed.

Ashish Nadkarni
Think of an AI token as a way to tie together all of the different resources to get an outcome accomplished.”

Ashish Nadkarni Group Vice President and Global Domain Lead for Enterprise Infrastructure, IDC

Connecting AI Spending to Real Results

One of the most common gaps for SMBs is linking AI activity to actual business outcomes. Nadkarni says the industry is still early in developing solid financial models for AI spending.

"It's where you try to tie the unit of work to a financial metric," Nadkarni says.

The good news: IDC finds that companies see an average return of $3.70 for every dollar spent on generative AI. Capturing that ROI, though, requires knowing what your AI investment is doing and whether it's delivering results. For SMBs, that means setting simple benchmarks: What tasks is AI handling? How much time is it saving?

Equally important is configuring the model you're using. Nadkarni says too many organizations focus on finding the "best" AI model instead of tuning it for their specific needs.

"The model must be optimized for your business needs; then it is efficient, and then it uses just the right number of tokens that are needed to get the work done," Nadkarni says.

Many platforms offer multiple model tiers: lighter options that cost less per token and more powerful ones that cost more. Matching the right model to each task can meaningfully cut costs without sacrificing results.

DISCOVER: How to optimize your organization's infrastructure for AI.

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