1. Just to clarify, minimum is 1, not 0. See https://docs.databricks.com/api/workspace/warehouses/create#min_num_clusters
2. How it works is based on concurrency. Assuming your max clusters is 2, and based on the concurrency, we don't need the 2nd cluster, we will scale down to 1, and then wait for the https://docs.databricks.com/api/workspace/warehouses/create#auto_stop_mins to be reached before shutting the WH down.
So assume at 9:00 AM your last query reached the WH, and it was at 1 cluster, and you're auto-stop was set to 10 mins, then at 9:10 AM the WH would be shut down. From a DBU perspective, you pay till 9:10 AM.
Actual cost you can find in the pricing page: https://www.databricks.com/product/pricing/databricks-sql
Or check in the UI where we show the DBU (you have to do the math using the page above and factor in your discounts to get the actual price)

โIf the next query came in at 9:15 AM, the WH would start up again, and the cycle repeats.
~Mohan.