financial model · every number is an assumption you can move
What a dime a photo adds up to.
Real inputs where research found them: fal.ai model prices, Stripe's 2.9% + 30¢, and the NRF party calendar for the seasonal shape. Everything else is a guess, labelled as one.
next 12 months · revenue vs. what it costs
marginAI cost (fal)Stripe fees
per photo and per party
month by month
Sources: fal.ai model pages, 2026-10-25 (nano-banana/edit $0.0398/image; qwen-image-edit $0.03/MP) · stripe.com/pricing (2.9% + $0.30 domestic cards) · NRF Halloween 2026 ($13.5B, 74% celebrating) · Challenger 2024 (64% of companies hold holiday parties). Seasonality multipliers are assumptions shaped by the theme calendar.