All-in-One AI Subscriptions Compared: Poe, Magai, T3 Chat

Plans read from each company's own pricing page on November 11, 2026. Where a company doesn't publish a number, we say so.

Is there one subscription that gives you ChatGPT, Claude and Gemini?

Yes. Each of these four services lets you pick models from OpenAI, Anthropic, Google and others inside one app, on one bill. They differ in how they meter you, whether they make more than text, and whether anything runs when you're not typing.

*T3 Chat doesn't publish prices on its site. These figures come from Toolfolio's listing — see the T3 Chat section.

What is an all-in-one AI subscription (or AI aggregator)?

An all-in-one AI subscription, also called an AI aggregator, is one app and one bill that lets you use models from several AI companies. You switch between them instead of paying ChatGPT, Claude and Gemini separately.

The catch is the meter. Nobody resells every vendor's full plan for $20, so each service rations use differently:

1. Points. Every bot has a price in points, and your plan is a points allowance. Poe works this way.
2. Usage dollars. Your plan price becomes a budget spent at each model's cost. Magai works this way.
3. Credits with an estimate. Credits pay for what the work uses, with a typical-message estimate beside them. Bento works this way.

If you want the deeper version, here's the difference between picking a model and routing between them automatically.

What does Poe cost?

Poe, from Quora, sells five points tiers, from $49.99 a year to $2,499.99 a year. Every bot costs a set number of points per message, so what a tier buys depends on which models you use.

From Poe's subscription page, billed yearly:

Poe says yearly billing saves 17%. Our read showed only the yearly prices, so we haven't listed monthly ones.

What's good: the catalogue. Poe's about page lists GPT-6-Astra, Claude-Opus-5.5, Claude-Fable-5.2, Gemini-4-Argon and Grok-4.7, "and thousands of others", including bots other people built. The subscription page also lists image and video models such as Nano-Banana-Pro and Veo-3.1.

The catch: you budget in points, not messages. Poe's help center says each bot shows its points cost per message. Extra points cost "$30 per 1M points". At that rate, the 660-thousand tier's allowance would cost about $19.80 bought outright.

What does Magai cost?

Magai has three plans: Standard at $20, Pro at $40 and Ultra at $200 a month, billed monthly. Each plan's price is also its usage budget: the $20 plan buys $20 of model use.

From Magai's pricing page:

What's good: images and video on every plan, model switching mid-chat, 150+ integrations and a 30-day money-back guarantee. Yearly billing saves 17%.

The catch: the headline says "Every plan includes every model and every tool". The plan table on the same page leaves premium models off Standard. Magai defines those as anything costing three times a standard model or more, like "the top GPT and Claude tiers". If you want those, the real entry price is $40.

Magai is also clear that a budget isn't a message count: "How far it goes depends on the models and tools you pick."

What does T3 Chat cost?

T3 Chat doesn't publish its prices. Its pricing URL returned "Page Not Found" on November 11, 2026, and the subscription page asks you to sign in first.

What its own site says: "one fast AI chat app for top models from OpenAI, Anthropic, Google, DeepSeek, and more." Logged out, you get a chat box with a model picker, web search and file attachments.

For prices, Toolfolio's T3 Chat listing (updated October 28, 2026) reports Pro at $8 a month and Premier at $50. It cites "the T3 team's public posts and replies". It describes a usage meter with a Base bucket that refills every four hours and a monthly Overage bucket. Free use has limits T3 Chat doesn't publish.

Treat those as reported, not confirmed. If the $8 figure holds, T3 Chat is the cheapest monthly way on this page to chat with several top models. We couldn't see anything beyond chat on its public pages.

Is an all-in-one AI subscription cheaper than paying for each?

Often, if you'd otherwise pay for two or more. ChatGPT Plus is $20 a month (chatgpt.com/pricing). Claude Pro is $20 billed monthly (claude.com/pricing). Those two alone are $40, before images, video or voice.

But compare like with like. Two vendor plans give you each company's full app and its full allowance. A $20 aggregator gives you one budget shared across every model. If you'd spend most days on the most expensive model, an aggregator's $20 runs out faster than two separate plans.

The fair question: what will you actually use in a month? Light, mixed use across models is where aggregators win. Heavy daily use of one top model is where they don't.

Compare your own stack with our AI subscription calculator.

Do you actually need every model?

Often not. If you live in one app all day for writing, and you never make images, video or voiceovers, one subscription is simpler, and there's no shared meter to watch.

An all-in-one AI starts to pay off when:

• You already pay for two or more AI tools.
• You want a second model's opinion on the same draft.
• You make images, video or audio as well as text.
• More than one person needs access.

If you're unsure, work out which model is best at which job before choosing where to buy them.

Chat app, or something that does the work?

Poe and T3 Chat are chat apps: you ask, they answer. Magai adds agents and up to 100 scheduled runs on its $20 plan. Bento goes further. Each workspace gets its own always-on computer, so agents keep working after you close the tab.

That changes what one subscription replaces. On Bento you can ask for a product photo of your candle, then a 5-second ad, then a voiceover for it.

Bento always picks the best AI for the job, so you never choose a model. The agents do the work behind it: they browse the web, work in Gmail, Slack, Notion and thousands of other apps, and run on a schedule.

Bento's plans are Starter at $20, Pro at $50 and Max at $200 a month. Starter's 20 credits come to about 530 messages at Standard quality, an estimate rather than a cap. Your whole team comes at no extra cost per person, and there's a 7-day free trial.

It isn't the cheapest way to chat with many models. Poe's smallest tier and T3 Chat (as reported) cost less.

Which all-in-one AI should you pick?

Pick by what you want at the end of the month, not by the number of models listed.

• Pick Poe if you want the biggest catalogue, including community-made bots, and don't mind watching a points balance. Paying a year up front gets the cheapest paid entry here.
• Pick Magai if you want a writing workspace with images and video on a fixed dollar budget. Budget $40 if you need the top GPT and Claude tiers.
• Pick T3 Chat if you mostly want fast text chat across models for little money. Check the price inside the app, because the site doesn't show it.
• Pick Bento if you want the finished thing — the photo, the ad, the voiceover, the website — and work that runs on a schedule, for your whole team on one bill.
• Stay on one subscription if you use one company's chat app every day and never make images or video.

Frequently Asked Questions

Is Poe free?

Yes, with limits. Poe's help center says non-paying users get points every day, which reset every 24 hours and don't roll over. A subscription adds more points and more of the top models.

What's the best Poe alternative?

It depends on why you're leaving. Magai if you want a fixed dollar budget with images and video. T3 Chat if you want cheap, fast text chat. Bento if you want an agent that keeps working with the tab closed and produces finished work.

Can I use ChatGPT and Claude in one app?

Yes. Poe, Magai, T3 Chat and Bento all offer OpenAI and Anthropic models in one place. Check whether the top tier of each is on the plan you're buying. Magai's $20 plan, for example, leaves them out.

Is T3 Chat really $8 a month?

Toolfolio reports Pro at $8 and Premier at $50, citing the T3 team's public posts. T3 Chat's own site showed no price to a logged-out visitor on November 11, 2026, so confirm it at checkout.

Do unused credits roll over?

On Bento, no: credits refresh every month and unused ones don't carry over. Poe's free daily points don't roll over either. Magai's pricing page doesn't say.