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What Does a Local LLM Actually Cost per Month? I Read the Meters.

A developer instrumented an RTX 3090 running a resident local AI stack — a Whisper ASR service, an Ollama embedding model, and Immich ML — with a power meter over 30 days and found the GPU averaged roughly 25 W, costing about €2.00 in electricity. The measurement shows a mostly-idle appliance with short spikes to ~120 W during transcription, far below the ~€14–29/month equivalent API spend, though the developer notes hardware amortisation (~€25/month) remains the real cost.

by read5 min views3 publishedSep 20, 2026

The Local LLM Lab — Part 5

One controlled experiment. One number. One verdict.

The question nobody answers in the local-LLM hype is the boring one: what does the electricity bill say?

Not "how many tokens per second." Not "how many GB of VRAM." The bill. The one that arrives on the first of the month and is the only number that actually matters for the person paying for the machine.

I've been running a local AI stack on an RTX 3090 for about three months now — Whisper transcription as a permanent service, an embedding model for a RAG pipeline, and a 27B chat model on a second machine. I instrumented the GPU with a power meter, set up a dual-rate tariff (day 0.30 BGN/kWh, night 0.18 BGN/kWh), and let the meter run.

This is what the last 30 days actually cost.

The Whisper service is the interesting one. It's not a chatbot. It's a transcription endpoint that my own tools call whenever I record a voice memo, a meeting, or a podcast clip. It sits there all day, at rest, drawing power, waiting for audio.

That's the honest shape of a "local AI stack" — not a GPU that's 100% utilised 24/7, but a GPU that's 0% utilised 99% of the time and 100% for a few seconds when it's actually doing work.

The last 30 days cost €2.00 in electricity.

That's the entire GPU. Not the whole machine. Just the GPU, measured at the card, over 30 days, with the Whisper service resident 24/7 and the embedding model resident 24/7.

Breakdown by service:

| Service | Avg W | Energy (kWh) | Cost (€) | 
|---|---|---|---|

| Whisper ASR (3090) | 22 W | 13.24 | 1.76 | | nomic-embed-text (Ollama) | 3 W | 1.75 | 0.23 | | immich ML | ~0 W | 0.01 | 0.00 | | Total | ~25 W | 15.03 | 2.00 |

The Whisper service is the big one, but even it is only 22 W on average. That's not a GPU under load. That's a GPU that's mostly idle with a model resident in VRAM, spiking to ~120 W for a few seconds when it transcribes something, and sitting at ~35 W the rest of the time.

The embedding model costs 23 cents a month. That's less than a coffee.

People who argue "local LLMs are expensive" usually mean one of two things:

The honest framing for a home inference stack is: the GPU is a mostly-idle appliance that costs a few euros a month to keep warm, and spikes when you actually use it.

The €2.00 number is the "keep it warm" cost. The spikes are the "actually use it" cost, and they're short enough that they barely move the monthly total.

I pulled the 30-day power history at 2-hour resolution. The shape is:

The 2-hour buckets that show 35 W are the honest baseline. The 2-hour buckets that show 121 W are the work. The average of all of them is 22 W for the Whisper service.

That's the shape of a local inference stack: a low baseline with short, sharp spikes. Not a sustained load.

Here's the comparison that actually answers "is local worth it":

Scenario Monthly electricity cost Notes
This stack (Whisper + embed, 24/7 resident) €2.00 Measured, 30 days
3090 at 100% util, 24/7 (training rig) ~€23 Hypothetical, sustained load
API transcription (Whisper API, ~10 hrs audio/month) ~€14–29 OpenAI Whisper API pricing

| API LLM (GPT-4o, ~1M tokens/month) | ~€14 | List price | The local stack costs less than a tenth of the equivalent API spend, even before you factor in that the API spend is per-use and the local spend is a flat "keep it warm" cost that doesn't scale with usage.

The electricity is not the cost. The hardware is the cost. But the electricity is small enough that it stops being the argument against.

The electricity bill is not the reason to choose cloud over local. It's not even close. A 3090 running a resident inference stack costs ~€2/month in electricity. The hardware amortisation is ~€25/month. The cloud API equivalent is ~€14–29/month for comparable usage, and it scales with usage while the local cost doesn't.

The real cost of local is the upfront hardware and the time you spend keeping it running. The electricity is a rounding error.

If you're already paying for a GPU for other reasons (gaming, rendering, a second machine), the marginal cost of adding a local inference stack is essentially the electricity: a few euros a month. A local LLM inference stack on a 3090 costs ~€2/month in electricity. The hardware is the real cost, not the power. The electricity bill is small enough that it should stop being an argument in the cloud-vs-local debate.

If your objection to local is "the electricity," the meter says otherwise. The meter says: a few euros a month, mostly idle, spikes when you use it. That's not a cost problem. That's a hardware-cost problem, and it's a one-time problem, not a recurring one.

Every number in this article came out of my homelab monitor, not an estimate: a small self-hosted dashboard that reads the GPU's power draw at the card, tracks per-service VRAM, and prices the energy against my tariff. It's open source, and it exposes the same data through a read-only MCP server, so an AI agent can pull the numbers for you instead of you SSH-ing in to run nvidia-smi by hand.

If you want to run your own "what does my stack cost" experiment, that's the tooling I'd point you at. The Local LLM Lab is a series of measured experiments on a home GPU stack. Every number in this article was pulled from a power meter on the card, not estimated. The next piece prices the same stack by € per 1,000 correct answers — the number that actually matters when the model is doing your work.

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