Tool — AI Subscription Calculator

AI Subscription Calculator 2026 — Find Your Best Plan

Compare Claude, ChatGPT, Gemini, and API costs to find the cheapest option for your usage.

6 Providers|15+ Plans|Updated April 2026

Your Usage

Daily Usage
1125250375500
Use Case
Requirements
20 msgs/day × (1,500 in + 800 out) tokens × 30 days = 1,386,000 tokens/month

Configure your usage on the left and click Calculate Best Plan to see your personalised recommendation.

All Plans Comparison

All major plans side by side. Highlighted rows match your requirements.

PlanProviderMonthly CostDaily MsgsContextImagesAPITeam
Claude Free
Claude Haiku 4.5
Anthropic Free 200 200K
Claude Pro
Claude Opus 4.6, Claude Sonn…
Anthropic $20.00/mo 5x more 200K
Claude Max 5x
Claude Opus 4.6, Claude Sonn…
Anthropic $100.00/mo 20x more 200K
Claude Max 20x
Claude Opus 4.6
Anthropic $200.00/mo Highest 200K
Claude Team
Claude Opus 4.6, Claude Sonn…
Anthropic $30.00/user 5x more 200K
ChatGPT Free
GPT-4o mini
OpenAI Free Limited 128K
ChatGPT Plus
GPT-5.4, GPT-5.4 mini, o3 mi…
OpenAI $20.00/mo 80/3hrs 128K
ChatGPT Pro
GPT-5.4, o3-pro
OpenAI $200.00/mo Unlimited 128K
ChatGPT Team
GPT-5.4, o3
OpenAI $30.00/user Higher limits 128K
Gemini Free
Gemini 3.1 Flash
Google Free Limited 1M
Gemini Advanced
Gemini 3.1 Ultra, Gemini 3.1…
Google $19.99/mo Higher limits 2M
Google One AI Premium
Gemini 3.1 Ultra
Google $19.99/mo Higher limits 2M
Claude API (Haiku)
Claude Haiku 4.5
Anthropic API Pay per use Unlimited 200K
Claude API (Sonnet)
Claude Sonnet 4.6
Anthropic API Pay per use Unlimited 200K
OpenAI API (GPT-5.4)
GPT-5.4
OpenAI API Pay per use Unlimited 128K

Cost Estimator

At 20 messages/day with medium messages, estimated monthly cost:

Set usage and click Calculate

Plan Overview by Provider

Quick reference for each provider's plans, pricing, and best use cases.

Anthropic / Claude
claude.ai
Claude FreeFree
Claude Pro$20/mo
Claude Max 5x$100/mo
Claude Max 20x$200/mo
Claude Team$30/user/mo
Best for: Deep reasoning, long documents, coding & research. 200K context on all plans.
OpenAI / ChatGPT
chatgpt.com
ChatGPT FreeFree
ChatGPT Plus$20/mo
ChatGPT Pro$200/mo
ChatGPT Team$30/user/mo
Best for: Image generation, voice mode, broad ecosystem. DALL-E 3 on Plus+.
Google / Gemini
gemini.google.com
Gemini FreeFree
Gemini Advanced$19.99/mo
Google One AI Premium$19.99/mo
Best for: Massive context (up to 2M tokens), Google Workspace integration, Imagen 3 images.
API Access
Pay-per-token
Claude API (Haiku) $0.80 / $4.00 /MTok
Claude API (Sonnet) $3.00 / $15.00 /MTok
OpenAI API (GPT-5.4) $5.00 / $20.00 /MTok
Best for: Developers, custom apps, high-volume automated pipelines. No monthly fee.

Pricing Disclaimer

Prices and plan limits shown are based on publicly available information as of April 2026 and may change. Always verify on the provider's official pricing page before subscribing.

Pro Tip

If you're a developer or power user, the API is almost always cheaper above ~100 messages/day with long contexts. Use the calculator to find your exact crossover point.

API vs Subscription

Use API when:
  • You're a developer building apps
  • High-volume automated pipelines
  • You need fine-grained control
  • Custom integrations & workflows
  • Volume >150 msgs/day typically
Use subscription when:
  • Casual or moderate daily use
  • You want an all-in-one interface
  • Team collaboration features
  • Image generation included
  • Predictable fixed monthly cost

Quick Cost Examples

API costs (Claude Sonnet) at different usage levels:

5 msgs/day ~$2.48/mo
20 msgs/day ~$9.90/mo
50 msgs/day ~$24.75/mo
100 msgs/day ~$49.50/mo
200 msgs/day ~$99.00/mo
Based on Claude Sonnet 4.6 ($3/$15 per MTok in/out), medium messages (1,500 in + 800 out tokens).

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