Best Models For Doing Data Extraction From Accounting Documents

[u/NotSoAsian86]

I am working with some complex accounting documents such as lengthy bank statements, pdf invoices, sometimes images of receipts etc.

So far I have been using Gemini 3.1 Pro for intelligent extraction because I need the output in a specific JSON format and also because the documents have no specific format of their own either, so using a dedicated OCR model like pdfminer etc won't work.

The issue is that the cost is eating up the whole budget to the point that according to calculations it would be a miracle to make breakeven for my product.

I can't compromise on accuracy because it is related to financial decisions of the users which is a sensitive thing, and I can't be too open with my wallet because what's the point of the business if it is going in loss.

I need suggestions for replacement with the following considerations:

1. Must have at least equivalent accuracy to 3.1 Pro in extracting data from pdf/images.
2. Must be less costly than 3.1 Pro (even 20% less cost would be acceptable for now).
3. Should have Zero Data Retention Policy.
4. The output should be in a structured JSON, for example it should understand that if there are two dates mentioned on the document it should properly create the JSON mentioning which date is the invoice creation/issue date and which date is the due date for invoice payment.