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AI cost and planning

Fine-tuning vs RAG

Answer eight questions about your use case to see whether retrieval, fine-tuning, both or a good prompt fits best.

Free, runs in your browser, no sign-up. Updated 2026-10-25.

Guidance, not a benchmark. The points behind each answer are stated rules of thumb, not test results. Try the approach on your own data.

What do you mainly need the model to get right?
How often does the knowledge change?
Do answers need to cite or link their source?
Do you have labelled examples of good outputs?
How much reference material is there?
Do different users see different documents?
How many calls per day, and how sensitive to cost and latency?
Can your team build and maintain training data and evaluations?

Result

Suggested: Retrieval (RAG). Scores: Retrieval (RAG) 15, Prompting alone (no RAG, no fine-tuning) 3, Fine-tuning -1. Guidance from a stated rubric, not a test result.

Best fit
Retrieval (RAG)
Retrieval (RAG)
15
Prompting alone (no RAG, no fine-tuning)
3
Fine-tuning
-1

How each answer scored

  • Facts from our own documents or dataRetrieval +3Retrieval puts the source text in the prompt; fine-tuning is an unreliable way to store facts.
  • Every few monthsRetrieval +2, Fine-tuning +0.5Retrieval still updates more easily than a training run.
  • YesRetrieval +3Retrieval knows which document each passage came from, so it can cite it. A fine-tuned model cannot.
  • A few dozenPrompting alone +2, Fine-tuning +0.5A few dozen fit as examples in the prompt; often too few to fine-tune well.
  • Far more than one promptRetrieval +3Retrieval picks the few relevant passages from a large corpus.
  • Yes, permissions differRetrieval +3Retrieval can filter by permission per query. Anything trained into a model is visible to every user of it.
  • Normalno pointsNo effect.
  • Not yetRetrieval +1, Prompting alone +1, Fine-tuning -2Without that capacity a fine-tuned model goes stale; retrieval and prompting are easier to maintain.

Guidance from a transparent scoring rubric, not a guarantee. The points per answer are planning assumptions; test the approach on your own data.

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Method

How this is calculated

Each answer adds points to RAG, fine-tuning and/or prompting alone, and the reason is shown next to it. The highest total is the recommendation.

When RAG and fine-tuning are the top two and the second scores at least 70% of the first, the tool suggests combining them: they solve different problems.

The points per answer are OceanLab planning assumptions that encode common engineering reasoning. They are not measured results.

FAQ

Questions about this tool

When is RAG the better choice?

When answers depend on facts in your documents, the content changes often, answers need citations, or different users may see different documents.

When is fine-tuning the better choice?

When you need a consistent style, format or narrow task, have many good examples, and run enough volume that shorter prompts or a smaller model pay off.

Can I use both?

Yes. They solve different problems, and the tool suggests combining them when both score well.

Is anything I enter sent anywhere?

No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab.

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