Most AI coding plans won’t tell you what you’re buying.
We track 25 plans across 9 platforms and price every one we can. Most we can’t — the vendor publishes no limit that converts to tokens, so we say that rather than inventing a number.
Data verified 22 Sep 2026
Paid plans tracked
18
- 3
- publish a limit you can convert to tokens — all of them GitHub Copilot
- 15
- sell an allowance nobody will quantify
Pay-per-token API rates, for contrast, run $0.55 to $24.00 per 1M — every one of them published.
Everyone sells hours of coding. 3 of 25 plans will tell you how many tokens that is.
Platform comparison
Normalised cost across all plans. "Your cost/1M" spreads the monthly price over the estimated token cap; "Model rate/1M" is the underlying pay-per-token rate at a 65% input / 35% output split.
| Plan | Price/mo | Token cap/mo | Your cost/1M | Model rate/1M | Models | Confidence |
|---|---|---|---|---|---|---|
| Cursor Hobby | Free | not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Cursor Pro | $20 | not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Cursor Pro Plus | $60 | 3× a base plan base cap not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Cursor Ultra | $200 | 10× a base plan base cap not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Claude Pro | $20 | not published | — | $24.00 | Claude Fable 5.1Claude Opus 5.5Claude Sonnet 5Claude Haiku 4.5 | estimated confidence: inferred from marketing claims, not published numbers |
| Claude Max 5x | $100 | 5× a base plan base cap not published | — | $24.00 | Claude Fable 5.1Claude Opus 5.5Claude Sonnet 5Claude Haiku 4.5 | partial confidence: partly published, partly inferred |
| Claude Max 20x | $200 | 20× a base plan base cap not published | — | $24.00 | Claude Fable 5.1Claude Opus 5.5Claude Sonnet 5Claude Haiku 4.5 | partial confidence: partly published, partly inferred |
| Copilot Free | Free | not published | — | $4.80 | Claude Sonnet 5GPT-5.6 SolGemini 3.1 Pro Preview | sourced confidence: taken directly from the provider's published figures |
| Copilot Pro | $10 | 3.1M published $ credit pool ÷ model rate | $3.20 | $4.80 | Claude Sonnet 5GPT-5.6 SolGemini 3.1 Pro Preview | sourced confidence: taken directly from the provider's published figures |
| Copilot Pro+ | $39 | 14.6M published $ credit pool ÷ model rate | $2.67 | $4.80 | Claude Sonnet 5GPT-5.6 SolGemini 3.1 Pro Preview | sourced confidence: taken directly from the provider's published figures |
| Copilot Max | $100 | 41.7M published $ credit pool ÷ model rate | $2.40 | $4.80 | Claude Sonnet 5GPT-5.6 SolGemini 3.1 Pro Preview | sourced confidence: taken directly from the provider's published figures |
| ChatGPT Go | $8 | not published | — | $4.80 | GPT-5.6 SolGPT-5.6 TerraGPT-5.6 LunaGPT-5.3-Codex | estimated confidence: inferred from marketing claims, not published numbers |
| ChatGPT Plus | $20 | not published | — | $24.00 | GPT-6 AstraGPT-5.6 SolGPT-5.6 TerraGPT-5.6 LunaGPT-5.3-Codex | estimated confidence: inferred from marketing claims, not published numbers |
| ChatGPT Pro 5x | $100 | 5× a base plan base cap not published | — | $24.00 | GPT-6 AstraGPT-6 Astra ProGPT-5.6 SolGPT-5.6 TerraGPT-5.6 LunaGPT-5.3-Codex | partial confidence: partly published, partly inferred |
| ChatGPT Pro 20x | $200 | 20× a base plan base cap not published | — | $24.00 | GPT-6 AstraGPT-6 Astra ProGPT-5.6 SolGPT-5.6 TerraGPT-5.6 LunaGPT-5.3-Codex | partial confidence: partly published, partly inferred |
| Antigravity Free | Free | not published | — | $5.50 | Gemini 3.1 Pro PreviewGemini 3.8 Flash | estimated confidence: inferred from marketing claims, not published numbers |
| Google AI Pro | $20 | not published | — | $5.50 | Gemini 3.1 Pro PreviewGemini 3.8 Flash | estimated confidence: inferred from marketing claims, not published numbers |
| Google AI Ultra 5x | $100 | 5× a base plan base cap not published | — | $5.50 | Gemini 3.1 Pro PreviewGemini 3.8 Flash | estimated confidence: inferred from marketing claims, not published numbers |
| Google AI Ultra 20x | $200 | 20× a base plan base cap not published | — | $5.50 | Gemini 3.1 Pro PreviewGemini 3.8 Flash | estimated confidence: inferred from marketing claims, not published numbers |
| Devin Free | Free | not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Devin Pro | $20 | not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Devin Max | $200 | 10× a base plan base cap not published | — | $4.80 | Claude Sonnet 5Claude Opus 5GPT-5.6 SolGemini 3.1 Pro Preview | estimated confidence: inferred from marketing claims, not published numbers |
| Anthropic API | pay-per-token | unmetered | — | $24.00 | Claude Fable 5.1Claude Opus 5.5Claude Sonnet 5Claude Haiku 4.5 | sourced confidence: taken directly from the provider's published figures |
| OpenAI API | pay-per-token | unmetered | — | $24.00 | GPT-6 AstraGPT-6 Astra ProGPT-5.6 SolGPT-5.6 TerraGPT-5.6 LunaGPT-5.3-Codex | sourced confidence: taken directly from the provider's published figures |
| Google AI API | pay-per-token | unmetered | — | $5.50 | Gemini 3.1 Pro PreviewGemini 3.8 Flash | sourced confidence: taken directly from the provider's published figures |
Scenario calculator
Adjust your usage pattern to see how much you'd spend on API vs subscription.
Break-even chart
Where API cost crosses each subscription price as hours per day increases.
Dev-Hour Equivalents
Cost per hour of AI-assisted development work, by task type and model.
| Benchmark | Token budget | Anthropic: Claude Fable 5.1 | Anthropic: Claude Haiku 4.5 | Anthropic: Claude Opus 5 | Anthropic: Claude Opus 5.5 | Anthropic: Claude Sonnet 5 | Google: Gemini 3.1 Pro Preview | Google: Gemini 3.8 Flash | OpenAI: GPT-5.3-Codex | OpenAI: GPT-5.6 Luna | OpenAI: GPT-5.6 Sol | OpenAI: GPT-5.6 Terra | OpenAI: GPT-6 Astra | OpenAI: GPT-6 Astra Pro |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Dev-Hour Equivalent: Light Debug Fix a small bug with minimal context; includes quick diagnosis + patch + unit test. | 25K in 15K out | $1.0000 | $0.1000 | $0.5000 | $0.4000 | $0.2000 | $0.2300 | $0.0750 | $0.2537 | $0.0230 | $0.2000 | $0.2300 | $1.0000 | $1.0000 |
Dev-Hour Equivalent: Medium Feature Implement a medium feature across multiple files with validation and tests. | 80K in 60K out | $3.8000 | $0.3800 | $1.9000 | $1.5200 | $0.7600 | $0.8800 | $0.2850 | $0.9800 | $0.0880 | $0.7600 | $0.8800 | $3.8000 | $3.8000 |
Dev-Hour Equivalent: Large Refactor Refactor multiple modules with structure changes and regression tests. | 180K in 120K out | $7.8000 | $0.7800 | $3.9000 | $3.1200 | $1.5600 | $1.8000 | $0.5850 | $1.9950 | $0.1800 | $1.5600 | $1.8000 | $7.8000 | $7.8000 |
Dev-Hour Equivalent: Long-Context Review Review a large codebase slice (long context) and propose changes with patch notes. | 220K in 70K out | $5.7000 | $0.5700 | $2.8500 | $2.2800 | $1.1400 | $1.2800 | $0.4275 | $1.3650 | $0.1280 | $1.1400 | $1.2800 | $5.7000 | $5.7000 |
Most capability per dollar
Epoch Capabilities Index divided by blended API cost. Refreshed 30 Sep 2026.
| Model | ECI | Cost / 1M | Points per $ |
|---|---|---|---|
| Mistral: Mistral Nemo | 118.6 | $0.02 | 5191.7 |
| OpenAI: gpt-oss-20b | 137.8 | $0.04 | 3190.0 |
| Qwen: Qwen3.7 Flash | 144.6 | $0.07 | 2224.9 |
| Mistral: Mistral Small 3 | 127.1 | $0.06 | 2100.2 |
| Meta: Llama 3.1 8B Instruct | 116.5 | $0.06 | 1925.3 |
Use TokenLens in your agent
Install the MCP server so Claude Code, Cursor, or Windsurf can answer pricing questions inline. Four steps, about two minutes.
Once installed, ask your agent in plain language. It picks the right tool and answers from live TokenLens data.
flikQ/tokenlens-mcpYou will need Node.js 18+, Bun (or npm) and Git.
Clone the server
Standalone — no monorepo required.
git clone https://github.com/flikQ/tokenlens-mcp.git cd tokenlens-mcp
Build it
Compiles TypeScript to dist/index.js.
bun install bun run build
Connect your editor
Replace
/path/to/tokenlens-mcpwith your actual clone path.Claude Code — one command
claude mcp add tokenlens -- \ env TOKENLENS_DATA_URL=https://tokenlens.flikq.dev/api/data \ node /path/to/tokenlens-mcp/dist/index.js
Cursor, Windsurf or Claude Desktop — add to
~/.cursor/mcp.jsonor~/.codeium/windsurf/mcp_config.json{ "mcpServers": { "tokenlens": { "command": "node", "args": ["/path/to/tokenlens-mcp/dist/index.js"], "env": { "TOKENLENS_DATA_URL": "https://tokenlens.flikq.dev/api/data" } } } }Check it works
Restart your editor, then ask your agent:
Use the tokenlens recommend_plan tool. I code 3h/day on claude-sonnet.
Tools it adds
- compare_plans
- Ranks every plan by cost per 1M tokens for a model
- run_scenario
- API against subscription cost for your usage pattern
- break_even
- Hours per day where a plan starts paying for itself
- recommend_plan
- Single best-value plan within a budget
Methodology
Every figure here comes from a documented calculation — how token caps are estimated from weekly, daily and multiplier limits, how cost per 1M tokens is blended, and what each confidence tier means.
Read the methodology