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Start here · a guide for people new to AI

What is this?

Overrun tells you roughly what a message to an AI (a computer program that reads your text and writes text back) will cost before you send it. After you send it, Overrun checks what it really cost and explains any difference between the two. It is free, and it runs in your web browser.

01 · The ideas you need

Ten words, in order.

AI model

An AI model is a computer program that you send text to, and that writes text back. GPT, Gemini and Llama are names of well-known AI models. Picture a translator at a desk: you hand over a note, and a reply comes back.

Prompt

A prompt is the message you send to an AI model. It can be a question, an instruction, or a long document you want summarised. Some apps also attach standing instructions to every message, such as “answer in one word”; that part is called the system prompt. If the prompt is the letter you post, the system prompt is the note clipped to every letter.

Provider

A provider is the company that runs an AI model on its computers and bills you for using it. Overrun's measurements used two providers: Groq and Google. It works like a phone company: you use their network, and they send the bill.

Token

An AI model does not read text letter by letter or word by word. It reads text cut into small pieces called tokens: sometimes a whole word, sometimes part of a word, a space or a punctuation mark. Providers count and charge by tokens, and they price the tokens you send (input tokens) separately from the tokens the model writes back (output tokens). Think of a taxi meter that charges by the segment, not by the trip.

Tokenizer

A tokenizer is the tool that cuts text into tokens: a pair of scissors with its own cutting pattern. Different models use different tokenizers, so the same text can come out as a different number of tokens. Overrun has four: two used by the models of OpenAI (the company behind GPT), named o200k_base and cl100k_base, one for Llama 3.1, and one for Gemma 3. Two people cutting the same ribbon with different stencils end up with a different number of pieces.

Rate card

A rate card is a provider's price list. Prices are given in dollars per million tokens, because one token costs a tiny fraction of a cent. For example, Groq's price for the model gpt-oss-20b, checked on 27 Oct 2026, was $0.075 for every million input tokens. Prices change, so Overrun always shows the date each price was checked and where it came from, like the date printed on a café menu.

The four-characters rule

Counting tokens properly needs a tokenizer, so many people use a shortcut: count the characters (letters, digits, spaces, punctuation marks and emoji) and divide by four. The rule is close for English news text but goes badly wrong for many other languages, and for code and data. It is like guessing a taxi fare from the straight-line distance on a map: fine on a grid of straight streets, wrong on a winding mountain road.

Hidden overhead

Providers add tokens of their own to every message before the model reads it. You never type them, but you pay for them. Providers do not list them, so Overrun measured how many there are: in its tests, gpt-oss-20b on Groq added 71 tokens to every message, and gemini-3.1-flash-lite on Google added 1. It works like the booking fee added to every concert ticket.

Estimate and actual

An estimate is a guess you make before you send a message. The actual number is what the provider reports afterwards, in a record called a usage log. Overrun always labels the guess as an estimate, so you never mistake it for the real number. It is the builder's quote before the job, and the invoice after it.

Budget

A budget is a spending limit you set. Overrun can go through your messages one at a time, keep a running total (the ledger), and block any message whose estimated cost would take the total over the limit. It is like a prepaid card that is declined once the balance runs out.

02 · Why this matters

One example, printed out.

WORKED EXAMPLE
Tamil news text, 15 sentences
characters2,478
four-characters rule (estimate)627
GPT-4's tokenizer (cl100k_base)3,352×5.35
newer tokenizer (o200k_base)884×1.41
UNDER BY 5.35×

Take the same 2,478 characters of Tamil. The rule guesses 627 tokens. GPT-4's tokenizer, cl100k_base, counts 3,352: 5.35 times the guess. A newer tokenizer, o200k_base, counts 884.

If you budget with the rule, you'd underestimate this bill by more than five times.

For comparison, the rule guessed 557 tokens for the English versions of the same sentences, and o200k_base counted 470.

03 · How to use Overrun

Three pages, step by step.

The calculator, on the home page

  1. Paste your own text into the Prompt box, or press one of the sample buttons (these are ready-made example texts that Overrun measured).
  2. Choose a model. Each one has its own tokenizer, hidden overhead and rate card.
  3. Read the estimate under the box. It is the four-characters guess, and it is labelled as one.
  4. Press Print receipt.
  5. Read the receipt line by line, using the numbered notes below.
OVERRUN
token receipt
Tamilstudy · 15 samples
characters2,478
ESTIMATE (chars ÷ 4)1627
an estimate, not a count
REAL COUNT · tokens · real÷est2
o200k_base ← model884×1.41
cl100k_base3,352×5.35
Llama 3.13,352×5.35
Gemma 3688×1.10
hidden overhead3+71
gpt-oss-20b, median of 12 measured requests, no system prompt
BILLED INPUT (projected)4955
rate, input / 1M$0.075
cost · estimate5$0.000047025
cost · projected$0.000071625
per 1,000 requests$0.047025 → $0.071625
groq rate card for openai/gpt-oss-20b, dated 27 Oct 2026 · console.groq.com
gpt-oss-20b vs estimateunder by 1.52×
UNDER BY 5.35×
6
worst of 4 tokenizers · cl100k_base
  1. 1Estimate. The four-characters guess: 2,478 characters ÷ 4 = 627. A guess, not a count.
  2. 2Real count. What each of the four tokenizers counted, and how many times the guess that is (×). The arrow marks the tokenizer the chosen model uses.
  3. 3Hidden overhead. The tokens this provider adds to every message: 71 for gpt-oss-20b. It is the median (the middle value) of 12 messages Overrun measured.
  4. 4Billed input (projected). The model's count plus the hidden overhead: 955 tokens. “Projected” means a forecast of what the provider will charge for.
  5. 5Cost. The estimate and the projection priced with the rate card ($0.000047025 and $0.000071625), then for 1,000 messages. The rate card's date and source are printed underneath. These are input costs only.
  6. 6The stamp. “UNDER BY 5.35×” means the biggest real count, on cl100k_base, is 5.35 times the guess. “OVER” would mean the guess was too high.

The receipt above is the real one for the Tamil sample and gpt-oss-20b, built from the study's numbers.

Findings

The Findings page shows how many characters fit in one token for each kind of text, on each tokenizer. That number is called characters per token.

  1. Each row is one kind of text, such as English news, Tamil news or computer code.
  2. Each dot is one tokenizer. Its position along the line is the number of characters per token.
  3. Dots further to the left mean fewer characters fit in a token, so the same text becomes more tokens and costs more.
  4. The dashed line marks 4, the four-characters rule. Dots to the left of it are texts the rule underestimates.
o200k_basecl100k_base┆ the 4.0 rule
Text012345 chars/tokeno200k_base · cl100k_base
English
4.68 · 4.62
Tamil
2.80 · 0.74
Chinese
1.25 · 0.83
Code
4.05 · 4.07
Four rows from the real chart. English sits near the dashed line; Tamil on cl100k_base sits far to the left.

Reconcile

A usage log is the record a provider gives you, after you send messages, of how many tokens each one really used. The Reconcile page reads a usage log and compares it with the four-characters estimate, one message (a “request”) at a time. It opens with a demo log of 50 real requests that Overrun sent while measuring, so it works without any upload.

  1. Look at the top of each card: the estimate in tokens.
  2. Read the lines underneath: each one is a reason for the gap, with its number of tokens. They add up to the actual input the provider reported.
  3. Below the line come costs that are not part of the input, such as the tokens the model wrote back (output tokens).
  4. Check the stamp. SETTLED means the message was let through and cost no more than its estimate. BLOCKED means the running total plus this message's estimated cost would have gone over the budget, so Overrun would have stopped it. OVERRUN means it was let through but cost more than its estimate.
  5. Press Export CSV to get a table for a spreadsheet program such as Excel, or Export Markdown to get a report you can paste into a document.
req-02gemini-3.1-flash-lite
estimate (chars ÷ 4)24
English text vs 4-characters rule (gemma3)+3
system prompt left out of estimate+11
chat-format overhead (measured in study)+1
actual input39
output tokens left out of estimate+2 · $0.0000006
cost · estimate$0.0000018
cost · actual$0.000003525
SETTLED
req-37gpt-oss-20b
estimate (chars ÷ 4)8
Japanese text vs 4-characters rule (o200k_base)+18
chat-format overhead (measured in study)+71
actual input97
output tokens left out of estimate+64 · $0.0000192
cost · estimate$0.0000006
cost · actual$0.000026475
BLOCKED

Two real cards from the demo log, priced with the groq rate card for openai/gpt-oss-20b, checked on 27 Oct 2026.

04 · What Overrun can't do

Honest limits.

  • It estimates and explains. It does not send messages to an AI for you.
  • Prices can change after the date shown on each rate card. Check the provider's page before you rely on one.
  • Google has not published Gemini's tokenizer, so Overrun uses its closest open relative, Gemma 3, instead. The counts are close but not guaranteed to match.
  • Costs on the calculator are for input tokens only, unless you enter expected output tokens under “More options”. On Reconcile, the actual cost includes the output tokens the provider reported.
  • The hidden overhead was measured for two models only, on 50 messages. For any other model, Overrun does not know it.
05 · Common questions

Questions people ask first.

Is my text sent anywhere?

No. Nothing leaves your browser until you send it to a provider yourself. Overrun does its counting on your own computer. The only things it downloads are the tokenizers themselves: two of them come from a website called Hugging Face the first time you choose them, and your text is not sent with that download.

Why do two tokenizers disagree?

Each tokenizer has its own fixed list of pieces. A piece that one tokenizer keeps whole, another may have to cut into several. Tamil shows how big the difference can be: the same text is 3,352 tokens on cl100k_base and 884 on o200k_base.

Why is non-English text often more expensive?

When a tokenizer's list holds few pieces for a language, it has to cut that language's words into many small pieces, so the same sentence becomes more tokens. In Overrun's study, Hindi on cl100k_base needed 3.87 times as many tokens as the four-characters rule guessed.

Which number should I trust?

After you send a message, trust the provider's own usage log: that is what you are billed for. Before you send, the best guess is the billed input on the receipt, which uses the tokenizer that matches your model plus the measured overhead. The four-characters estimate is the roughest of the three.

Do I need an account?

No. There is nothing to sign up for and no key to enter.

06 · Glossary

Every word, A to Z.

AI model
A computer program you send text to, and that writes text back. GPT, Gemini and Llama are AI models.
Budget
A spending limit you set. Overrun can block any message that would take your spending over it.
Characters
Single letters, digits, spaces, punctuation marks or emoji. “Hi!” is three characters.
Corpus sample
A ready-made example text from the collection Overrun measured, such as news sentences in Tamil or a piece of code.
CSV
A plain table file that any spreadsheet program, such as Excel or Google Sheets, can open.
Estimate
A guess, made before you send a message, of how many tokens it will use. Overrun always labels it as a guess.
Factor (×)
How many times bigger one number is than another. “5.35×” means the real count was 5.35 times the guess.
Four-characters rule
A common rough guess: divide the number of characters by four to get the number of tokens.
Hidden overhead
Extra tokens the provider adds to every message that you never typed, like a booking fee on a ticket.
Input and output tokens
Input tokens are what you send to the AI; output tokens are what it writes back. Providers price them separately.
Markdown
Plain text with simple marks for headings and tables, which most writing and documentation tools can display.
Median
The middle value when you line results up from smallest to largest, so one odd result does not pull it off.
Prompt
The message you send to an AI model.
Provider
The company that runs an AI model and bills you for using it, such as Groq or Google.
Rate card
A provider’s price list, in dollars per million tokens. Overrun shows the date each price was checked.
Reconcile
To compare what you expected to pay with what you were really charged, and explain the difference.
System prompt
Standing instructions sent along with every message, such as “Answer in one word”. They cost tokens too.
Token
The small piece of text an AI reads and charges by: sometimes a whole word, sometimes part of one.
Tokenizer
The “scissors” that cut text into tokens. Different models use different scissors, so counts differ.
Usage log
A record, from the provider, of how many tokens each message really used.

Try the calculator Next: how it was built →