Most people need one $20 plan or none at all. Start free, pay when you hit a limit you feel every week, and only buy the $100+ tiers for work that earns it back.
Prices from each vendor’s own page, checked . Recommendations are this site’s opinion; the numbers are the vendors’.
How this page makes money: it doesn’t. No link here is an affiliate or referral link today. If that changes, those links will say “referral link”, and fees will never decide what is listed, the order, the tier or the pick.
BY WHAT YOU DO / BY WHAT YOU SPEND
Pick by use case.
Each pick quotes the vendor’s own page and links to it. “Why it’s here” is our reasoning, not the vendor’s claim.
01
$0 A MONTH
You just want to try AI, or use it now and then.
The free plans from the big three are good enough for occasional questions, drafting and summaries. Use one for a week on real tasks before paying for anything.
OpenAI · Free plan
ChatGPT Free
Everyday chat with limited messages and uploads on the current Instant model.
Why it’s here: The most familiar starting point, and Codex is included for quick coding tasks.
All three $20 plans give you the vendor’s better models, much higher limits and a coding tool. Pick the one whose free plan you already reach for. Two at once is rarely worth it.
OpenAI · ChatGPT
Plus $20/mo
Expanded messages and uploads, Thinking models, Codex for coding (GPT-6.1 Sol and GPT-6 Luna), no ads.
Why it’s here: Thinking models, Codex for coding and no ads, from the most widely used assistant.
Probably skip: ChatGPT Go at $8 if you want the Thinking models, since Go leaves them out. Microsoft 365 Premium, unless you also want Office for the household.
A $20 assistant plan now includes a capable coding agent, so you may not need a separate tool. If you only want completions in your editor, Copilot Pro is the cheapest good option.
Anthropic · Claude
Pro $20/mo
$20 billed monthly; $17/mo with annual ($200 up front)
More usage than Free, more Claude models and Claude Code for coding.
Why it’s here: Claude Code in the terminal and editor, included with the plan.
“$17 Per month with annual subscription discount ( $200 billed up front). $20 if billed monthly.”
This is where the big tiers pay off. If you hit the $20 limits most days, the 5x tiers are the next step; the tier list below shows how the 20x tiers buy the most usage per dollar.
Anthropic · Claude
Max 5x $100/mo
5x the usage of Pro, Claude Code, and $100 a month in Claude Platform API credits.
Why it’s here: 5x the Pro usage for Claude Code, plus $100 a month of API credits.
Creative tools charge in credits, and the cheapest paid tier is usually enough to start. Check the commercial-use terms before you sell anything you make. OpenAI shut down its Sora video app in April 2026.
Each plan is priced as if you use it the way its tier is sold: an entry plan covers one of the example months below, and a tier the vendor sells as “5x” or “20x” the usage covers five or twenty of them. That month is priced at the API list price of an everyday model the plan includes (we picked comparable mid-priced models, not each vendor’s priciest, so this compares plans rather than model prices) and divided by the plan price. A plan that states its included usage in dollars uses the vendor’s figure instead. Under $1 means the same use would cost less at API prices. Estimates, not caps: vendors don’t publish limits in tokens, hitting a limit early lowers your number, and API credits some plans add on top aren’t counted.
S$5+ per $1
None this time.
A$3–5 per $1
$3.9
Cursor Ultra
$200/mo · Grok 4.7
B$2–3 per $1
$2.3
Cursor Super
$100/mo · Grok 4.7
$2.2
ChatGPT Pro ($200 tier)
$200/mo · GPT-6.1 Sol
$2.2
Claude Max 20x
$200/mo · Claude Sonnet 5.5
$2.2
Google AI Ultra (20x tier)
$199.99/mo · Gemini 4 Argon
$2.1
Cursor Premium
$30/mo · Grok 4.7
$2
Cursor Plus
$8/mo · Grok 4.7
C$1–2 per $1
$1.2
JetBrains AI Ultimate
$30/mo · included usage
$1.1
ChatGPT Plus
$20/mo · GPT-6.1 Sol
$1.1
ChatGPT Pro ($100 tier)
$100/mo · GPT-6.1 Sol
$1.1
Claude Max 5x
$100/mo · Claude Sonnet 5.5
$1.1
Claude Pro
$20/mo · Claude Sonnet 5.5
$1.1
Google AI Pro
$19.99/mo · Gemini 4 Argon
$1.1
Google AI Ultra
$99.99/mo · Gemini 4 Argon
$1
Replit Core
$20/mo · included usage
$1
Replit Pro
$100/mo · included usage
Funder $1
$0.9
ChatGPT Business (standard seat)
$25/mo · GPT-6.1 Sol
$0.9
ChatGPT Business (premium seat)
$125/mo · GPT-6.1 Sol
$0.9
Claude Team (standard seat)
$25/mo · Claude Sonnet 5.5
$0.9
Claude Team (premium seat)
$125/mo · Claude Sonnet 5.5
$0.6
Grok SuperGrok
$30/mo · Grok 4.7
Tier list inputs
Plan
Assumed month
Priced as
At API list price
Per $1 of plan
Cursor Ultra ($200)
A coding month × 50
Grok 4.7
$780
$3.9 · A
Cursor Super ($100)
A coding month × 15
Grok 4.7
$234
$2.3 · B
OpenAI ChatGPT Pro ($200 tier) ($200)
An everyday month × 20
GPT-6.1 Sol
$432
$2.2 · B
Anthropic Claude Max 20x ($200)
An everyday month × 20
Claude Sonnet 5.5
$432
$2.2 · B
Google AI Ultra (20x tier) ($199.99)
An everyday month × 20
Gemini 4 Argon
$432
$2.2 · B
Cursor Premium ($30)
A coding month × 4
Grok 4.7
$62
$2.1 · B
Cursor Plus ($8)
A coding month
Grok 4.7
$16
$2 · B
JetBrains AI Ultimate ($30)
Usage the vendor says is included
The vendor’s dollar figure
$35
$1.2 · C
OpenAI ChatGPT Plus ($20)
An everyday month
GPT-6.1 Sol
$22
$1.1 · C
OpenAI ChatGPT Pro ($100 tier) ($100)
An everyday month × 5
GPT-6.1 Sol
$108
$1.1 · C
Anthropic Claude Max 5x ($100)
An everyday month × 5
Claude Sonnet 5.5
$108
$1.1 · C
Anthropic Claude Pro ($20)
An everyday month
Claude Sonnet 5.5
$22
$1.1 · C
Google AI Pro ($19.99)
An everyday month
Gemini 4 Argon
$22
$1.1 · C
Google AI Ultra ($99.99)
An everyday month × 5
Gemini 4 Argon
$108
$1.1 · C
Replit Core ($20)
Usage the vendor says is included
The vendor’s dollar figure
$20
$1 · C
Replit Pro ($100)
Usage the vendor says is included
The vendor’s dollar figure
$100
$1 · C
OpenAI ChatGPT Business (standard seat) ($25)
An everyday month
GPT-6.1 Sol
$22
$0.9 · F
OpenAI ChatGPT Business (premium seat) ($125)
An everyday month × 5
GPT-6.1 Sol
$108
$0.9 · F
Anthropic Claude Team (standard seat) ($25)
An everyday month
Claude Sonnet 5.5
$22
$0.9 · F
Anthropic Claude Team (premium seat) ($125)
An everyday month × 5
Claude Sonnet 5.5
$108
$0.9 · F
xAI Grok SuperGrok ($30)
An everyday month
Grok 4.7
$18
$0.6 · F
AN ESTIMATE, WITH THE MATH SHOWN
What your month would cost at API prices.
A subscription is a bulk deal on the same models developers pay for by the token. These bars price three typical months of use at each model’s published API list price, so you can see roughly what a flat plan saves you. It is an estimate: vendors don’t publish plan limits in tokens, so this prices your usage, not the plan’s cap.
A light month
A few questions a day: a recipe, an email, a quick explanation.
0.6M input + 0.15M output tokens a month.
A light month at API list prices
Model
Input / output per 1M tokens
This month at list price
OpenAI · GPT-6 Astra
$10 / $50
$14
Anthropic · Claude Fable 5.1
$10 / $50
$14
OpenAI · GPT-6.1 Sol
$2 / $10
$2.70
Anthropic · Claude Sonnet 5.5
$2 / $10
$2.70
Google · Gemini 4 Argon
$2 / $10
$2.70
xAI · Grok 4.7
$2 / $6
$2.10
Mistral · Mistral Medium 3.5
$1.5 / $7.5
$2.03
DeepSeek · DeepSeek V4 Pro
$1.32 / $3.96
$1.39
Google · Gemini 3.8 Flash
$0.75 / $3.75
$1.01
OpenAI · GPT-6 Luna
$0.1 / $0.5
$0.14
Anthropic · Claude Haiku 5.5
$0.1 / $0.5
$0.14
An everyday month
An assistant you lean on all day for writing, research and files.
6M input + 0.96M output tokens a month.
An everyday month at API list prices
Model
Input / output per 1M tokens
This month at list price
OpenAI · GPT-6 Astra
$10 / $50
$108
Anthropic · Claude Fable 5.1
$10 / $50
$108
OpenAI · GPT-6.1 Sol
$2 / $10
$22
Anthropic · Claude Sonnet 5.5
$2 / $10
$22
Google · Gemini 4 Argon
$2 / $10
$22
xAI · Grok 4.7
$2 / $6
$18
Mistral · Mistral Medium 3.5
$1.5 / $7.5
$16
DeepSeek · DeepSeek V4 Pro
$1.32 / $3.96
$12
Google · Gemini 3.8 Flash
$0.75 / $3.75
$8.10
OpenAI · GPT-6 Luna
$0.1 / $0.5
$1.08
Anthropic · Claude Haiku 5.5
$0.1 / $0.5
$1.08
A coding month
An AI pair programmer in your editor on workdays.
6M input + 0.6M output tokens a month.
A coding month at API list prices
Model
Input / output per 1M tokens
This month at list price
OpenAI · GPT-6 Astra
$10 / $50
$90
Anthropic · Claude Fable 5.1
$10 / $50
$90
OpenAI · GPT-6.1 Sol
$2 / $10
$18
Anthropic · Claude Sonnet 5.5
$2 / $10
$18
Google · Gemini 4 Argon
$2 / $10
$18
xAI · Grok 4.7
$2 / $6
$16
Mistral · Mistral Medium 3.5
$1.5 / $7.5
$14
DeepSeek · DeepSeek V4 Pro
$1.32 / $3.96
$10
Google · Gemini 3.8 Flash
$0.75 / $3.75
$6.75
OpenAI · GPT-6 Luna
$0.1 / $0.5
$0.90
Anthropic · Claude Haiku 5.5
$0.1 / $0.5
$0.90
A heavy agent-coding month
Coding agents running for hours on real projects.
60M input + 1.2M output tokens a month.
A heavy agent-coding month at API list prices
Model
Input / output per 1M tokens
This month at list price
OpenAI · GPT-6 Astra
$10 / $50
$660
Anthropic · Claude Fable 5.1
$10 / $50
$660
OpenAI · GPT-6.1 Sol
$2 / $10
$132
Anthropic · Claude Sonnet 5.5
$2 / $10
$132
Google · Gemini 4 Argon
$2 / $10
$132
xAI · Grok 4.7
$2 / $6
$127
Mistral · Mistral Medium 3.5
$1.5 / $7.5
$99
DeepSeek · DeepSeek V4 Pro
$1.32 / $3.96
$84
Google · Gemini 3.8 Flash
$0.75 / $3.75
$50
OpenAI · GPT-6 Luna
$0.1 / $0.5
$6.60
Anthropic · Claude Haiku 5.5
$0.1 / $0.5
$6.60
What the bigger tiers buy, in the vendors’ words
OpenAI ChatGPT Pro ($100 tier) ($100/mo): 5x the usage of Plus. help.openai.com ↗
OpenAI ChatGPT Pro ($200 tier) ($200/mo): 20x the usage of Plus. help.openai.com ↗
Google AI Plus ($4.99/mo): 2x higher usage access than Free. gemini.google ↗
Google AI Pro ($19.99/mo): 4x higher usage access than Free. gemini.google ↗
Google AI Ultra ($99.99/mo): 5x the usage limits of AI Pro. gemini.google ↗
Google AI Ultra (20x tier) ($199.99/mo): 20x the usage limits of AI Pro. gemini.google ↗
Mistral Vibe Pro ($14.99/mo): Up to 6x free. mistral.ai ↗
OpenAI ChatGPT Business (premium seat) ($125/mo): 5x the usage of a standard seat. openai.com ↗
Anthropic Claude Team (premium seat) ($125/mo): 5x the usage of a standard seat. claude.com ↗
Cursor Premium ($30/mo): 4x the usage of Plus. cursor.com ↗
Cursor Super ($100/mo): 15x the usage of Plus. cursor.com ↗
Cursor Ultra ($200/mo): 50x the usage of Plus. cursor.com ↗
How to read it: if your month costs more at API prices than the plan, the plan is the better deal, as long as you stay inside its limits. Light users often spend less than a dollar at API prices, which is why the free plans are usually enough. Heavy coding is where the $100–$200 tiers pay off.
YOUR OWN NUMBERS
Estimate your month.
Change the numbers to match how you work. Runs in your browser; nothing is sent or saved.
Turn on JavaScript to use the calculator. The three examples above show the same math.
A token is roughly three-quarters of an English word. A page of text is about 500 to 700 tokens. List prices, no caching or batch discounts.
THE FULL LINEUP
Every plan we checked.
66 plans from 26 vendors. US prices in dollars a month, billed monthly unless the note says otherwise. Taxes extra.
Chat assistants
Plan
Price a month
What the vendor says you get
Source
OpenAI ChatGPT Go
$8
More messages and uploads than Free; may include ads; no Thinking/Pro models.
Every price, plan description and offer was read on the vendor’s own website on the date shown next to it, and the quote beside it is copied from that page. Data: plans.json, offers.json.
The usage examples are assumptions, not measurements: A light month (10 messages a day for 30 days, 2,000 tokens sent and 500 written back per message); An everyday month (40 messages a day for 30 days, 5,000 tokens sent and 800 written back per message); A coding month (100 agent steps a day on 20 workdays, 3,000 tokens of code and context sent and 300 written back per step); A heavy agent-coding month (1,000 agent steps a day on 20 workdays, 3,000 tokens sent and 60 written back per step, with no prompt caching). Monthly cost = input tokens × input price + output tokens × output price. Prompt caching, batch pricing, long-context surcharges, taxes, image and video generation and tool fees are left out.
The chart format follows public “plan usage at API prices” comparisons such as Adam Holter’s on X. We didn’t copy their figures; plan caps in those charts are estimates, and ours avoid guessing caps at all.
Left out or marked unconfirmed because no vendor page we could read stated them on October 29, 2026: prices for SuperGrok Lite, SuperGrok Plus, SuperGrok Heavy and Grok Business (xAI’s page names them but doesn’t print prices); Leonardo Essential, Higgsfield Starter and Udio Standard prices (only third-party or app-store pages showed them); JetBrains AI Pro (its page shows two conflicting prices); a usage multiple for ChatGPT Pro’s $500 tier; a $2,500 OpenAI startup credit often quoted elsewhere; and a Google AI trial length. Usage figures in social-media charts, including the ones that inspired this page, were treated as leads to check, not as facts.
Picks are this independent site’s opinion. No vendor reviewed this page or paid for placement. Drafted and checked by Claude (Anthropic); Anthropic is one of the vendors listed, so its plans get the same sourcing and no special placement.