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Mages Formula: C=B * (L-1)+M 8(A+1)
Explanation: Cost=Base x (Mage Level-1)+Material Components x Aging or Constitution Effects+1

The cheapest spells are cast by the lowest possible level of mage.
Aging effects or constitution loss can add huge amounts to cost, or prevent someone from casting is at all, or the caster may decide to look into the history of the patron and make a value judgement then...

1st level mages can cast cantrip and 1st level spells:
Base Cost (for formula) of Cantrip = 5gp
Minimum Cost of cantrip: 5gp

Base Cost (for formula) of First Level Spell = 20gp
Minimum Cost of First Level Spell: 40gp

3rd level mages can cast 2nd level Spells:
Base Cost (for formula) of Second Level Spell = 40gp
Minimum Cost of Second Level Spells: 80gp

5th level mages can cast 3rd level Spells:
Base Cost (for formula) of Third Level Spell = 60gp
Minimum Cost of Third Level Spells: 240gp

7th level mages can cast 4th level Spells:
Base Cost (for formula) of Fourth Level Spell = 100gp
Minimum Cost of Fourth Level Spells: 600gp

9th level mages can cast 5th level Spells:
Base Cost (for formula) of Fifth Level Spell = 150gp
Minimum Cost of Fifth Level Spells: 1200gp

12th level mages can cast 6th level Spells:
Base Cost (for formula) of Sixth Level Spell = 220gp
Minimum Cost of Sixth Level Spells: 2400gp

14th level mages can cast 7th level Spells:
Base Cost (for formula) of Seventh Level Spell = 350gp
Minimum Cost of Seventh Level Spells: 4550gp

16th level mages can cast 8th level Spells:
Base Cost (for formula) of Eighth Level Spell = 480gp
Minimum Cost of Eighth Level Spells: 7200gp

18th level mages can cast 9th level Spells:
Base Cost (for formula) of Ninth Level Spell = 610gp
Minimum Cost of Ninth Level Spells: 10370gp

Higher level mages are too busy with important things to cast lower level spell, hence they cost more to cast low level spells.

Formula: C=B *(L-1)+(2*M) *A+1
Explanation: Cost=Base * (Cleric Level-1) + Double Material Components * Aging or Constitution Effects+1

Base* Cost (for formula) of First Level Spell = 20gp
Minimum Cost of First Level Spells: 20gp

3th level Priests can cast 2nd level Spells:
Base* Cost (for formula) of Second Level Spell = 20gp
Minimum Cost of Second Level Spells: 40gp

5th level Priests can cast 3rd level Spells:
Base* Cost (for formula) of Third Level Spell = 40gp
Minimum Cost of Third Level Spells: 160gp

7th level Priests can cast 4th level Spells:
Base* Cost (for formula) of Fourth Level Spell = 80gp
Minimum Cost of Fourth Level Spells: 480gp

9th level Priests can cast 5th level Spells:
Base* Cost (for formula) of Fifth Level Spell = 160gp
Minimum Cost of Fifth Level Spells: 1280gp

12th level Priests can cast 6th level Spells:
Base* Cost (for formula) of Sixth Level Spell = 280gp
Minimum Cost of Sixth Level Spells: 2800gp

14th level Priests can cast 7th level Spells:
Base* Cost (for formula) of Seventh Level Spell = 540gp
Minimum Cost of Seventh Level Spells: 7020gp

Variations to temple charges: (Base 100%)
Cleric of Same Deity: -35%
Church or Temple Member: -15%
First Seen: +50%
Opposing Alignment/Temple: +50%/step (L-N, N-C, G-N, N-E, etc.)
Priests Reaction: +-25%

*For formula purposes only.