Managing AI spend is increasingly difficult due to multi-provider sprawl, untagged costs, and unpredictable agentic workloads. Finout addresses this by consolidating bills from OpenAI, Anthropic, Cursor, AWS Bedrock, and Vertex AI into a unified MegaBill, then using Virtual Tags to allocate costs to teams, products, and customers without requiring infrastructure changes. Unit economics widgets surface cost-per-inference, cost-per-customer, and cost-per-feature metrics in real time. Governance features include hierarchical budgets, ML-powered anomaly detection, and usage-driver-based forecasting. Optimization strategies covered include right-sizing models, caching/batching calls, committing to reserved capacity, and retiring low-adoption features. Mature usage involves automated allocation syncing, a conversational AI assistant (Billy), and FinOps agents that close the loop from anomaly detection to ticket creation.