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AI Choice Engine

Cost calculator

One AI subscription is $20. A stack is a budget line.

ChatGPT Plus, Claude Pro, Google AI Pro, Perplexity Pro, Copilot, Cursor, Midjourney — add up what the combination actually costs per month, per year, and per seat.

AI subscription stack

What does your AI stack cost per year?

Tick the subscriptions you pay for, set the seats on each, and compare monthly versus annual billing. USD list prices, verified 2026-10-01 — prices change, so check the vendor before you buy.

Subscriptions in your stack

List prices only, before tax and before usage-based extras like API credits or overage billing. Cursor Pro and Copilot Pro include a monthly credit/usage pool — heavy agent work can exceed the seat. Regional, student, and promotional discounts are not included. Claude Code’s +50% weekly boost on eligible Anthropic plans was extended through 2026-08-31 23:59 PT per unofficial reports — Anthropic’s own page confirming that end date could not be located, so verify the boost is still live before counting on it.

Your stack

1 subscription · 1 seat

Estimated monthly cost

$20

≈ £15 — indicative conversion at a static rate, billed in USD

Per year
$240≈ £178
Per seat / month
$20≈ £15
  • ChatGPT Plus$240/yr≈ £178/yr

Methodology

How the numbers are built

So you can decide how much to trust the total.

  • Monthly billing is the published monthly list price times twelve.
  • Annual billing uses verified yearly prices, or the disclosed annual monthly equivalent times twelve. When no verified annual price is stored, the estimate uses twelve monthly payments and distinguishes unavailable annual billing from an unverified price.
  • Seats multiply each subscription independently; the per-seat figure divides the monthly-equivalent total across every seat in the stack.
  • List prices in USD only. Check dates appear per preset; taxes, usage-based overages, and student or regional discounts are out of scope.

The presets, at a glance

Selected individual tiers at USD list price. GBP figures use the static approximation £1 ≈ $1.35, recorded 2026-09-02; they are not live exchange rates. Billing is in USD.

  • ChatGPT GoChecked 2026-10-01 · SourceU.S. list price; regional prices can differ. Go may include ads.$8/mo≈ £6/mo
  • ChatGPT PlusChecked 2026-10-01 · SourceAPI billing is separate.$20/mo≈ £15/mo
  • ChatGPT Pro 100Checked 2026-10-01 · SourceUltrafast is not included.$100/mo≈ £74/mo
  • ChatGPT Pro 200Checked 2026-10-01 · SourceNew subscriptions have a lower allowance; eligible existing subscribers retain their old allowance through October 29, 2026. Ultrafast is not included.$200/mo≈ £148/mo
  • ChatGPT Pro 500Checked 2026-10-01 · SourceIncludes Ultrafast; eligible additional usage can draw from purchased credits.$500/mo≈ £370/mo
  • Claude ProChecked 2026-10-01 · SourceAnnual billing charges $200 upfront, rather than twelve payments of the rounded $17 display price.$20/mo · $200/yr≈ £15/mo · £148/yr
  • Google AI ProChecked 2026-10-01 · SourceU.S. 5 TB plan. Annual price was not confirmed from the captured first-party plan text; annual mode assumes twelve monthly payments.$19.99/mo≈ £15/mo
  • Google AI Ultra 5xChecked 2026-10-01 · Source5x tier relative to Pro. Annual list price was not verified; annual mode uses twelve monthly payments.$99.99/mo≈ £74/mo
  • Google AI Ultra 20xChecked 2026-10-01 · Source20x tier relative to Pro. Annual list price was not verified; annual mode uses twelve monthly payments.$199.99/mo≈ £148/mo
  • SuperGrokChecked 2026-10-01 · SourceCurrent SuperGrok list price is $30/month. Grok plan page exposes annual billing, but the upfront annual amount was not published in the captured first-party pages; annual mode assumes twelve monthly payments. API usage is separate.$30/mo≈ £22/mo
  • SuperGrok PlusChecked 2026-10-01 · SourceCurrent SuperGrok Plus list price is $100/month. The official page does not expose an upfront annual amount in the captured source; annual mode assumes twelve monthly payments.$100/mo≈ £74/mo
  • Perplexity ProChecked 2026-10-01 · SourceCurrent Pro list price $20/month or $200/year upfront (the current plan page displays a rounded $17/month annual equivalent). Promotional bonus Computer credits are time-limited and excluded.$20/mo · $200/yr≈ £15/mo · £148/yr
  • Perplexity MaxChecked 2026-10-01 · SourceCurrent Max list price $200/month or $2,000/year upfront (rounded annual equivalent $167/month); 10,000 monthly Computer credits are included. Promotional bonus credits excluded.$200/mo · $2000/yr≈ £148/mo · £1,481/yr
  • GitHub Copilot ProChecked 2026-10-01 · SourceNew plans are monthly and include $15/month in AI Credits ($10 base + $5 flex). Existing annual plans are legacy billing until their current term ends; total credits and flex allotments may change.$10/mo≈ £7/mo
  • GitHub Copilot Pro+Checked 2026-10-01 · SourceNew plans are monthly and include $70/month in AI Credits ($39 base + $31 flex). Existing annual plans are legacy billing; usage beyond included credits can add charges and flex allotments may change.$39/mo≈ £29/mo
  • GitHub Copilot MaxChecked 2026-10-01 · SourceNew plans are monthly and include $200/month in AI Credits ($100 base + $100 flex). Usage beyond included credits can add charges; flex allotments may change.$100/mo≈ £74/mo
  • Cursor ProChecked 2026-10-01 · SourceCurrent Pro list price is $20/month. The pricing page exposes Monthly/Yearly billing but the captured first-party text did not disclose the upfront annual total; annual mode assumes twelve monthly payments. Included model usage is capped; on-demand use is billed in arrears.$20/mo≈ £15/mo
  • Midjourney BasicChecked 2026-10-01 · Source$10/mo · $96/yr≈ £7/mo · £71/yr

FAQ

Frequently asked questions

Is annual billing always cheaper?
Several presets offer a lower annual total, including Claude Pro ($200), Perplexity Pro ($200), Google AI Pro ($199.99), SuperGrok ($300), and Midjourney Basic ($96). Cursor Pro displays $16 per month on yearly billing, equivalent to $192 over twelve months. ChatGPT Go, Plus and Pro do not offer annual billing. New Copilot subscriptions use monthly billing; existing annual subscribers can retain legacy billing until their term ends. Google AI Ultra annual prices were not verified, so annual mode uses twelve monthly payments for those presets. Annual billing only saves money if you keep the subscription for the full year.
Are these prices with tax?
No. The calculator uses USD list prices before VAT or sales tax, which depend on your country and sometimes your state. Regional pricing, student discounts, and promotional offers are also excluded.
Do I need both a chatbot and a coding assistant?
Sometimes. General chatbots keep adding coding features, and coding assistants can answer general questions, so the two categories overlap more every year. The calculator flags the combination because it is the most common double-pay pattern, not because it is always waste — the honest test is whether you genuinely use both every week.
What costs are not included?
Usage-based extras: API usage, credit top-ups beyond the included allowance (for example Copilot switched to usage-based AI Credits billing on 2026-06-01, or Cursor’s included usage pool then on-demand), and team or enterprise tiers. Headline seat totals are not all-in agent budgets. Vendors also run temporary usage-boost promotions on eligible plans; treat any such boost as temporary and confirm current terms on the vendor’s page before relying on it.
How current are these prices?
Monthly prices and the listed annual prices were checked on 2026-10-01. Each preset links its source and check date below. Google AI Ultra annual prices remain unverified and are labelled accordingly. Confirm current regional prices and usage allowances before buying.

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