Uncached baseline multiplies requests by reusable input tokens and the normal uncached price. It asks what the same stable prefix would cost without caching.
Cache-read spend prices the hit share at the cache-read rate. Cache-write spend prices the miss share at the cache-write rate.
Monthly savings subtracts read and write spend from the uncached baseline. A negative result means the cache-write premium is larger than the cache-read savings at the stated hit rate.
Break-even hit rate solves for the hit share where cached and uncached input cost the same. Output tokens are excluded because prompt caching changes reusable input economics, not generated-token pricing.
This is a planning estimate, not a provider quote. Verify current prices, cache eligibility, minimum token requirements, cache lifetime, write behavior, invalidation rules, and any storage charges in the provider's current documentation.