AI subscription calculator: what your AI stack really costs

For most people, the best AI subscription is one $20 chat plan (ChatGPT Plus, Claude Pro or Google AI Pro at $19.99) plus a specialist tool only for a job that plan can’t do. Tick what you pay for below to see your total, which plans do the same job, and what one plan would cover.

Your AI stack

Tick the plans you pay for.

Writing and everyday questions
Monthly only. OpenAI: 'We offer monthly plans for Go, Plus and Business'.
Pro: $20 monthly or $200 a year. Max and Ultra: monthly only.
Monthly prices only on this page.
Cursor and Grok are one subscription: both pricing pages list the same plans.
Research with sources
The pricing page shows only annual billing ($17 and $167 a month, billed annually). No monthly-billing price is shown; the calculator uses the annual price in both modes and says so.
Coding and building apps
Monthly prices only on this page.
Images
Annual plans are 20% off, paid up front.
Video
Yearly is 20% off.
Monthly price is the ongoing 'Then $X/month' figure, not the first-month offer.
Voice and voiceovers
Yearly = 2 months free. A $1 first-month offer runs until Nov 16 and is ignored.
Music
Yearly is $8 / $24 a month, billed yearly.
Billing

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Your subscription cost

USD · prices before tax

$56 a month · $672 a year.

Paying yearly where it’s offered would cost $76 less a year.

Where you double up

You pay for 2 writing and everyday questions plans: ChatGPT Plus and Claude Pro ($40/mo). Choosing one? Claude Pro vs ChatGPT Plus vs Gemini.

ChatGPT Plus includes image creation, and you also pay for Midjourney Basic. Its limits differ, so check whether it’s enough for what you make.

AI subscription price comparison

ServicePlanMonthlyYearly
ChatGPTPlus$20/mo$240/yr
ClaudePro$20/mo$240/yr
MidjourneyBasic$10/mo$120/yr
ElevenLabsStarter$6/mo$72/yr

Prices checked November 11, 2026. List prices in USD before tax; first-month offers are left out.

Comparing bundles? All-in-one AI subscriptions compared. More free tools: Zapier cost calculator.

Prices checked November 11, 2026. List prices in USD before tax; first-month offers are left out. How we calculate.

How we calculate

We use list prices from each vendor’s own pricing page on the checked date. Choose one plan per service. Monthly means what you pay when billed monthly; yearly uses the annual price where the vendor offers one, otherwise it multiplies the monthly price by 12.

Overlaps come from each plan’s own feature list: a same-job overlap means two selected plans have the same primary job, while an included feature means one selected plan lists another job as part of its bundle. Nothing is estimated from usage.

Prices checked November 11, 2026. List prices in USD before tax; first-month offers are left out.

FAQ

Which AI subscription is best?
It depends on the job. For writing and questions, one $20 chat plan covers most people; add an image, video, voice or music tool only when you make those things often.
How much do AI subscriptions cost?
The big chat plans are $20 a month (Google AI Pro is $19.99); Google AI Plus is $4.99 and ChatGPT Go is $8. Top chat tiers run $100–$500. Entry plans for specialist tools run $6 (ElevenLabs) to $15 (Runway) a month.
Which AI subscription is worth it?
The one you’d miss. If two plans do the same job, you’re paying for a second opinion. More on whether ChatGPT Plus is worth it on its own.
Are Grok and Cursor the same subscription?
Yes, at the moment. x.ai/pricing and cursor.com/pricing list the same plans, and Cursor says every tier shares one usage pool across Cursor and Grok.
Is paying yearly cheaper?
Where it’s offered, by 17–25%: Claude Pro is $200 a year instead of $240; ElevenLabs take 17% off, Midjourney, Runway and Suno take 20% off and Kling take 25% off. ChatGPT, Google AI, Grok + Cursor (X Subscription) and GitHub Copilot show monthly prices only.