The standard AI subscription costs $20 a month. Claude Pro and ChatGPT Plus are $20, and Google AI Pro and Microsoft 365 Premium are $19.99. Above that, prices bunch up again at $100 and $200. We read the pricing pages of six AI vendors on November 12, 2026 (Claude, ChatGPT, Google AI, Microsoft 365, Cursor and GitHub Copilot) and wrote down all 22 paid plans they sell to one person.
Fourteen of the 22 plans cost $20, $100 or $200 a month, counting $19.99 and $99.99 with them. All six vendors sell a plan at $99.99 or $100. And 18 of the 22 include a coding agent, while Microsoft 365’s three plans list none.
Plenty of founders pay for two or three of these at once. Context Board is ours, so weigh the bias: its AI usage widget keeps what’s left of your Claude Code and Codex limits on one screen, with when each resets. It gets one section near the end. The rest of this page is the dataset.
- What we priced: 22 paid plans for one person from six vendors, in US dollars, each read on the vendor’s own page on November 12, 2026.
- Three prices cover most of them: 14 of 22 plans cost $20, $100 or $200 a month. Every vendor sells one at $99.99 or $100.
- Coding agents are standard: 18 of 22 plans include one, from Claude Code and Codex to Cursor’s and Copilot’s agents. Microsoft 365’s plans list none.
- Yearly billing is rare: 4 of 22 plans showed a yearly price, and none above $20 a month.
- Paying for two: Context Board shows your Claude Code and Codex limits side by side, with reset times. $12 a month after 3 free days.
How we built the dataset
We opened each vendor’s pricing page on November 12, 2026 and copied what it showed, plan by plan. The sources are linked in each section below. The rules:
- Plans one person can buy. Free plans are out, and so are team seats, which get their own table further down. We left out Microsoft 365 Family, a plan for up to six people whose AI features are for the owner only.
- Each price is its own plan. ChatGPT Pro comes at $100, $200 or $500, so it counts three times. Google AI Ultra comes at $99.99 or $199.99, so it counts twice.
- Regular prices only. Microsoft showed a first-month offer on the day. We used the price it renews at.
- US dollars only. Our server is in Germany, and Google’s default plans page showed us euros. Google’s US plans page shows dollars, so the Google rows come from there. The other five vendors’ pages showed dollars.
- A coding agent counts when the plan page lists one. That means Claude Code, Codex, the agent model in Google Antigravity, Cursor’s Agent, or GitHub Copilot’s agent mode and cloud agent.
Perplexity’s pricing and help pages blocked our reader on the day, so Perplexity isn’t in the dataset. We’d rather leave a row out than fill it from memory.
Every AI subscription compared
| Plan | Monthly | Yearly, a month | Coding agent | Usage, in the vendor’s words | Office and files | MCP and connectors |
|---|---|---|---|---|---|---|
| Claude Pro | $20 | $17 ($200 a year) | Claude Code | More usage than Free, every 5 hours and every week | Docs, Slides, Sheets (beta), Claude for Microsoft 365 | Connectors, custom MCP |
| Claude Max | $100 | Monthly only | Claude Code | 5x Pro usage every 5 hours and every week | Same as Pro | Connectors, custom MCP |
| Claude Ultra | $200 | Monthly only | Claude Code | 10x Pro usage every week, no 5-hour limit once verified | Same as Pro | Connectors, custom MCP |
| ChatGPT Go | $8 | Not shown | Codex, limited | More messages with tools, may include ads | Office and Google Sheets extensions, limited | Plugins, no developer mode |
| ChatGPT Plus | $20 | Not shown | Codex | Expanded messages and uploads, limits apply | Excel, Word, PowerPoint and Google Sheets extensions | Plugins, developer mode (beta) |
| ChatGPT Pro | $100 | Not shown | Codex, expanded | Choice of 3 usage tiers, no Codex 5-hour limit | Extensions, expanded | Developer mode (beta) |
| ChatGPT Pro | $200 | Not shown | Codex, expanded | Same as Pro $100, higher tier | Extensions, expanded | Developer mode (beta) |
| ChatGPT Pro | $500 | Not shown | Codex, expanded | Same as Pro $100, top tier | Extensions, expanded | Developer mode (beta) |
| Google AI Plus | $4.99 | Not shown | None listed | 2x higher usage than Free | Gemini in Gmail, Vids and more | Not on plans page |
| Google AI Pro | $19.99 | $16.67 ($199.99 a year) | Antigravity, entry limits | 4x higher usage than Free | Gemini in Gmail, Docs, Vids and more | Not on plans page |
| Google AI Ultra | $99.99 | Not shown | Antigravity, higher limits | 5x higher limits than AI Pro | Highest limits in Google apps | Not on plans page |
| Google AI Ultra | $199.99 | Not shown | Antigravity, highest limits | 20x higher limits than AI Pro | Highest limits in Google apps | Not on plans page |
| Microsoft 365 Personal | $9.99 | $8.33 ($99.99 a year) | None listed | Copilot chat with higher usage than free | Word, Excel, PowerPoint, Outlook desktop apps with Copilot | Not on plans page |
| Microsoft 365 Premium | $19.99 | $16.67 ($199.99 a year) | None listed | Extensive usage, limited agentic AI | Same apps as Personal | Not on plans page |
| Microsoft 365 Pro | $99.99 | Monthly only | None listed | Highest usage limits | Same apps as Personal | Not on plans page |
| Cursor Plus | $8 | Not shown | Agent, Grok models only | Shared AI usage pool | None listed | MCP in the agent |
| Cursor Premium | $30 | Not shown | Agent, cloud agents | 4x more usage than Plus | None listed | MCP in the agent |
| Cursor Super | $100 | Not shown | Agent, cloud agents | 15x more usage than Plus | None listed | MCP in the agent |
| Cursor Ultra | $200 | Not shown | Agent, cloud agents | 50x more usage than Plus | None listed | MCP in the agent |
| GitHub Copilot Pro | $10 | Not shown | Agent mode, cloud agent | $15 of AI credits a month | None listed | Integrates with MCP servers |
| GitHub Copilot Pro+ | $39 | Not shown | Agent mode, cloud agent | $70 of AI credits a month | None listed | Integrates with MCP servers |
| GitHub Copilot Max | $100 | Not shown | Agent mode, cloud agent | $200 of AI credits a month | None listed | Integrates with MCP servers |
“Monthly only” means the vendor says so. “Not shown” means the page we read gave no yearly price for that plan. “Not on plans page” means the plans page didn’t mention MCP or connectors, which doesn’t prove the product has none.
AI subscription prices, plan by plan
The chart has three rungs, and most plans stand on one of them.
$19.99 to $20: Claude Pro, ChatGPT Plus, Google AI Pro and Microsoft 365 Premium. Four vendors, four plans, one cent apart at most. Our ChatGPT Plus vs Claude Pro guide takes the first two head to head.
$99.99 to $100: Claude Max, ChatGPT Pro at its first tier, Google AI Ultra at 5x, Microsoft 365 Pro, Cursor Super and GitHub Copilot Max. Every vendor in the dataset sells one, which makes $100 the one price all six agree on. For Claude, our Claude Max vs Pro guide covers what the 5x buys and how to tell if you need it.
$199.99 to $200: Claude Ultra, ChatGPT Pro’s middle tier, Google AI Ultra at 20x and Cursor Ultra. Claude’s $200 plan is the one with no five-hour limit for verified accounts, which our Claude Ultra guide explains.
Off the rungs, eight plans:
- Under $10: Google AI Plus ($4.99), ChatGPT Go ($8), Cursor Plus ($8) and Microsoft 365 Personal ($9.99). GitHub Copilot Pro sits at $10.
- In between: Cursor Premium at $30 and GitHub Copilot Pro+ at $39, both coding tools.
- The top: ChatGPT Pro at $500, the dearest plan we found. OpenAI’s Codex pricing page lists Pro at “$100, $200, or $500 USD per month”.
Which plans include a coding agent
A coding agent used to be the reason to buy a coding tool. Now it comes inside most chat plans too.
Claude: Claude Code is on Pro, Max and Ultra, per Anthropic’s pricing page. It isn’t on the free plan. Max and Ultra add usage, and Ultra drops the five-hour limit for verified accounts.
ChatGPT: every paid plan includes Codex. Go gets it for “lightweight coding tasks”, Plus for “a few focused coding sessions each week”, and Pro gets “Longer Codex and ChatGPT Work sessions”, per the ChatGPT and Codex pricing pages.
Google AI: AI Pro has “entry rate limits to agent model in Google Antigravity”, Google’s agentic development platform, and the two Ultra tiers have higher and highest limits, per Google’s US plans page. AI Plus lists no coding agent.
Microsoft 365: the consumer plans page doesn’t mention coding. Premium and Pro list “agentic AI that gets things done for you including advanced research and analytics”, which is a research agent, not a coding one.
Cursor: the Agent is on every plan, Free included, per Cursor’s pricing page. Cloud agents and automations start at Premium. Plus runs Grok models only, and from Premium up you can use third-party models at API list price, billed on top. Cursor’s plans now also carry X features, and our Claude Code vs Cursor and Codex vs Cursor guides explain what changed.
GitHub Copilot: Pro, Pro+ and Max all include agent mode and Copilot in the cloud, per GitHub’s plans page. Pro also lists “Access to 3rd party agents (Claude Code and Codex)”.
How each vendor counts usage
Six vendors, four ways of saying how much you get. Before you compare “5x” on one page with “15x” on another, check what each one is a multiple of.
| Vendor | What resets | How plans step up |
|---|---|---|
| Claude | A 5-hour limit and a weekly limit | Max 5x Pro, Ultra 10x Pro a week |
| ChatGPT (Codex) | A 5-hour window on Plus, weekly limits may apply | Pro picks one of 3 tiers, no 5-hour limit for now |
| Google AI | Refreshes every 5 hours until a weekly limit | Plus 2x Free, Pro 4x Free, Ultra 5x or 20x Pro |
| Microsoft 365 | AI credits that reset, per its FAQ | Words only: higher than free, extensive, highest |
| Cursor | A weekly allowance shared with Grok | Premium 4x Plus, Super 15x, Ultra 50x |
| GitHub Copilot | Monthly AI credits, 1 credit is $0.01 | $15, $70 and $200 of credits |
So Claude, Google and ChatGPT’s Codex count in windows of hours and weeks. Cursor counts in weeks. GitHub counts in dollars a month. Microsoft gives adjectives. A “4x” on Google AI Pro is four times the free plan, while a “4x” on Cursor Premium is four times Cursor’s $8 plan.
The windows are where a coding day stops. Our guides on Claude usage limits and Codex usage limits explain how the five-hour and weekly limits reset on each plan, and what to do when you hit one.
Office files and connectors
The cheap plans differ most here.
- Claude: Docs and Slides are on every plan, and Pro adds Sheets (beta) and Claude for Microsoft 365. Anthropic’s connector guide says custom connectors over remote MCP work on Free, Pro, Max, Ultra, Team and Enterprise, with Free limited to one.
- ChatGPT: the Excel, Word, PowerPoint and Google Sheets extensions are limited on Go, included on Plus and expanded on Pro. Developer mode (beta) is on Plus and Pro, not Go. OpenAI’s MCP help article puts full MCP, reading and writing, on Business and Enterprise/Edu, and read-and-fetch access on Pro.
- Google AI: Gemini sits in Gmail and Vids on Plus, and in Gmail, Docs and Vids from AI Pro up. AI Pro also comes with 5 TB of storage. The plans page doesn’t mention MCP.
- Microsoft 365: every plan we priced includes the Word, Excel, PowerPoint and Outlook desktop apps with Copilot. The plans page doesn’t mention MCP.
- Cursor and GitHub Copilot: no office features, since they’re coding tools. Both work with MCP servers: Cursor’s MCP docs show the agent using them, and GitHub’s plans page lists “Integrates with MCP servers”.
Team seats, priced separately
Three of the vendors list a per-seat team price on the same pages. They aren’t in the counts above.
| Team plan | A seat, monthly | A seat, yearly | Who it’s for |
|---|---|---|---|
| ChatGPT Business | $25 | $20 a month | 2 users or more |
| Claude Team, Standard seat | $25 | $20 a month | Teams of 2 to 150, Claude Code included |
| Claude Team, Premium seat | $125 | $100 a month | 5x the usage of a Standard seat |
| Cursor Teams | From $30 a user | Not shown | Pooled usage, 4x to 50x Plus |
GitHub’s plans page names Copilot Business and Enterprise but showed no price for them on the day.
Which AI subscription is worth it
Pick by the job, then by the limit you’ll hit.
- One plan for writing, files and some coding: Claude Pro or ChatGPT Plus, $20 each. Both include a coding agent and office files. Claude Pro is $17 a month if you pay for the year.
- Your work lives in Gmail and Docs: Google AI Pro, $19.99, with Gemini in Gmail and Docs and 5 TB of storage.
- Your work lives in Word and Excel: Microsoft 365 Personal, $9.99, with the desktop apps and Copilot in them. There’s no coding agent on any Microsoft 365 plan.
- Coding in an editor on a budget: GitHub Copilot Pro at $10, or Cursor’s plans from $8, where Plus runs Grok models only.
- Coding all day with an agent: one of the $100 or $200 plans. Read the limits before you pay: Claude Max still has a five-hour limit. Claude Ultra drops it for verified accounts, and OpenAI says Pro plans currently have no five-hour limit in Codex.
The $20 plans are where to start. Move up a rung when a limit, not a feature, stops you, and give it a week or two of watching before you decide.
Paying for two or more AI plans
Many people who build with AI pay for Claude and ChatGPT together, often with Cursor or Copilot on top. Each one shows its limits in its own place: /usage in Claude Code, /status in Codex, a settings page for the rest. You find out you’re out when a task stops.
Context Board puts the two coding limits on one screen. Its AI usage widget draws your Claude Code and Codex plans as rings that empty as you work. Each ring shows the five-hour window or the week, and says when it comes back, like “resets in 1h 42m”. Set a level and the board warns you before the week runs out. A small runner, set up once with one line, reads what each app last heard from its own servers. Nothing you wrote in a session leaves your computer. The Claude Code usage page and the Codex usage page walk through the setup.
The other plans in this table join the board in other ways. Cursor’s agent can post what it shipped and what it’s working on, over MCP. ChatGPT can read your board on Pro, and build on it on Business and Enterprise/Edu.
One scope line, so you know what you’re buying. The usage widget reads Claude Code and Codex. It doesn’t show Gemini, Microsoft 365, Cursor or GitHub Copilot usage.
Start with the plan you have
Open your current plan’s usage page today and note where you stand on the day it resets. A week of that tells you which rung you belong on. If you pay for Claude and ChatGPT both, start a Context Board, link your computer, and keep the Agents board open while you work. Free for 3 days, then $12 a month.