Before you invest it, spend it, or build with it, understand it.

Cloud & Capital is where I build free tools and share clear analysis for people learning about money, businesses watching costs, and teams managing cloud and AI spend.

By Diana Molski · Finance analyst and builder

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Start with your question

What are you here to figure out?

Your money

Learn what the market is doing and why.

Markets & Mimosas and other notes on markets, investing, and money.

Browse the articles

Your business

Know where the money and time are going.

Budgets, forecasts, software costs, AI workflows, and clearer systems for everyday business decisions.

Tell me about your business

Your technology spend

See what cloud and AI are actually costing.

Allocation, forecasts, unit economics, anomalies, commitments, SaaS licenses, and the cost behind AI results.

Explore the technical work

Education and research only. Cloud & Capital does not provide personal investment advice.

Tools

Tools for real questions.

Everything here is free to use. Open a tool, see the method, or look through the code.

Featured tool · AI economics

AI Cost Lens

What did one usable result really cost?

Compare model usage, infrastructure, and human review, then see whether a cheaper option still holds up after quality and rework.

Open AI Cost Lens View the source

AI Cost Lens comparing the full cost of two AI production routes

guard.cloudandcapital.com

Published technology spend, passed reconciliation, and Cloud, Direct AI, and SaaS breakdown

Cloud, AI, and SaaS

Cloud Cost Guard

Why did the bill move?

Trace cost drivers, flag anomalies, and forecast the next bill.

Open Cloud Cost Guard

market-tape.cloudandcapital.com

Market internals and momentum leaders and laggards with sparklines

Markets

Market Tape

What is moving across the market?

Follow 52 rates, sectors, commodities, and risk signals in one live view.

Open Market Tape

More tools

Signal Audit

Find where technology cost accountability is breaking down.

Interactive Lab

Organize the evidence around a real technology spend decision.

Writing

The business behind markets, money, and AI.

Featured essay

The Decision Layer · August 14, 2026

The Decision Layer

Technology costs take shape long before the bill arrives: in what gets built, what gets locked in, and what quietly becomes the default.

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Latest

Markets & Mimosas · August 31, 2026

The Grid Sent the Bill Back

AI demand is forcing utilities, regulators, and large customers to decide who pays for the grid built ahead of it.

Read

Markets & Mimosas · July 20, 2026

Who Gets Stuck With the Bill?

The AI buildout has become a negotiation over who carries utilization risk, and who keeps the right to walk away.

Read

View all writing

About Diana

Founder, Cloud & Capital · Los Angeles

I’m Diana. I follow the number until it makes sense.

My background is in finance: Morgan Stanley, equity trading, and a B.S. in Business Administration, Finance. Today I use that foundation to investigate what cloud, software, and AI actually cost.

I build tools and write about the questions I’m genuinely trying to answer: what moved, what it really cost, and whether the decision still holds up when you trace it back to the evidence.

Credentials

FINOPS: FinOps Certified Practitioner · FinOps Certified FOCUS Analyst
CLOUD + AI: AWS Certified Cloud Practitioner · Microsoft Azure AI Fundamentals
GOVERNANCE: Stacklet FinOps Governance for Cloud & AI
AI BUILDING: Claude Partner Badge · Claude Code
CONTRIBUTION: PointFive Cloud Efficiency Hub

Get in touch

Have a number, bill, or idea you want to make sense of?

Tell me what you’re working on, what isn’t adding up, or what you want another set of eyes on.

Email Diana diana@cloudandcapital.com