o3-mini vs Phi-4: Pricing, Benchmarks & Verdict (2026)
⚡ Quick Answer
Phi-4 is significantly cheaper at $0.07/$0.14 per million tokens vs $1.10/$4.40. o3-mini is stronger for coding with a coding ELO of 1340 vs 1130. Phi-4 is faster at 160 tokens/sec vs 55 tokens/sec. o3-mini ranks higher overall with an Arena ELO of 1310 vs 1150. o3-mini offers a larger 200K context window vs 16K.
Updated: April 20, 2026 · ✓ Pricing verified
Side-by-Side Comparison
| Feature | o3-mini | Phi-4 |
|---|---|---|
| Provider | OpenAI | Microsoft |
| Input Price / 1M tokens | $1.10 | $0.065 |
| Output Price / 1M tokens | $4.40 | $0.140 |
| Context Window | 128K | 16.384K |
| Max Output Tokens | 65,536 | 4,096 |
| Arena ELO | 1,280 | 1,150 |
| Coding ELO | 1,285 | 1,130 |
| TTFT (ms) | 350 | 100 |
| Tokens/sec | 25 | 160 |
| Multimodal | No | No |
| JSON Mode | Yes | Yes |
| Function Calling | No | No |
| Vision | No | No |
Frequently Asked Questions
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