# Cost Engineering: Local 4090 vs Cloud H100? — Breakeven, Spot, and TCO Math

> Source: https://sukruyusufkaya.com/en/learn/fine-tuning-cookbook/ftc-cost-engineering-4090-vs-cloud-tco
> Updated: 2026-05-14T14:42:50.089Z
> Category: Fine-Tuning Cookbook (Model-by-Model)
> Module: Part I — Hardware & Memory Engineering
**TLDR:** The silent question every FT engineer asks: 'Should I do this on local 4090 or send it to cloud?' Cookbook's decisive math: RTX 4090 amortization, electricity, cloud hourly tables, spot risk calculation, breakeven duration, hybrid strategy (4090 dev + cloud production).