The formula
First we work out what one action costs in AI usage, then multiply by how many actions a user does, and add your other per-user costs. That's what one user costs you. Your margin is what's left of the price after that cost. To hit the margin you want, we divide your cost by (1 − that margin) to suggest a price.
Questions
How much should I charge?
A good starting point is roughly five times what an average user costs you (that gives an 80% margin). Then sanity-check it against competitors and what people are actually willing to pay.
What profit margin should I aim for?
AI usage eats into the fat margins normal software enjoys, so 70% or more at scale is a healthy target. Usage limits and a cheaper model for simple work help protect it.
How do I stop heavy users from wiping out my profit?
Give every plan a generous allowance, then charge extra above it, cap the free plan hard, and route the simple actions to a cheaper model.