OverpayingForAIPricing desk

Compare models

Which plan is cheaper for the work you actually run?

Each comparison answers one buying question. Pages stay on this desk while the API catalogue is Live or Recent. Start with the three highest-intent picks if you want the fastest useful answer.

Step 1

Start with the most likely question

Subscription vs API, GPT-5.4 vs GPT-5.4 mini, and DeepSeek V4 vs GPT-5.4 cover the highest-intent pricing decisions first.

Step 2

Validate against your usage

Use the calculator when the comparison is directionally useful but you need your own exact cost.

Step 3

Escalate to a stack recommendation

Use the decision engine when one model comparison is too narrow for your actual workflow.

Start here

Three high-intent comparisons

These answer the questions most people ask first before they explore the rest of the comparison library.

More comparisons

Explore the full comparison library

ChatGPT vs Cursor Cost: Which $20 Plan Is Worth It?

ChatGPT Plus and Cursor Pro both cost $20/month. One is a GPT-5.5 chat assistant, the other an AI editor running Claude Sonnet 5 and GPT-5.4. Here is which one to pay for.

Claude API vs Cursor Pro Cost in 2026: Which Is Cheaper?

Claude Sonnet 5 via API ($2/$10 per 1M tokens) versus the $20/month Cursor Pro subscription for professional software development — with real monthly numbers.

Gemini 3.1 Pro vs GPT-5.4 (the 1.5 and 4o Successors): Google's Challenger on Cost

Gemini 3.1 Pro costs $2/$12 per 1M tokens against GPT-5.4's $2.50/$15, and both now carry a 1M context. The 1.5-generation and 4o rows are legacy — here is the current comparison.

Perplexity Pro vs ChatGPT Plus: Which $20/Month Wins?

Both cost $20/month. Perplexity Pro is built for cited research; ChatGPT Plus is a GPT-5.5 general assistant. Here is how to decide — and why most people need only one.

Claude Haiku 4.5 vs GPT-5.4 mini: The Budget Model Showdown (Successors to the Older Haiku and 4o mini)

Claude Haiku 4.5 costs $1/$5 per 1M tokens; GPT-5.4 mini costs $0.75/$4.50. The older Haiku and 4o mini rows are legacy — and the price gap between the two budget tiers has almost closed.

Mistral vs OpenAI: The European Alternative at Lower Cost

Mistral Large 3 costs $0.50/$1.50 per 1M tokens against GPT-5.4's $2.50/$15 — 5x less on input, 10x less on output — with EU data residency built in.

ChatGPT vs Claude Cost in 2026: Which $20 Plan Wins?

ChatGPT Plus and Claude Pro both cost $20/month. Compare GPT-5.5 with Claude Sonnet 5 and Opus 5 on writing, coding and research, plus the cheaper API route.

ChatGPT Plus vs Google AI Pro: Which $20 Subscription Wins?

ChatGPT Plus is $20/month for GPT-5.5. Google AI Pro — the plan Google previously sold under the 'Advanced' name — is $19.99/month for Gemini 3.1 Pro plus 2TB of storage. Here is which one is right for your workflow.

Claude Pro vs Google AI Pro: Two $20 AI Subscriptions Compared

Claude Pro is $20/month for Claude Sonnet 5 and Opus 5. Google AI Pro — the plan Google previously sold under the 'Advanced' name — is $19.99/month for Gemini 3.1 Pro plus 2TB storage. Which one is worth it?

ChatGPT Free vs Plus: Is the Upgrade Worth $20/Month?

ChatGPT Free is genuinely useful. ChatGPT Plus costs $20/month and ChatGPT Go $8. Here is exactly what the upgrade adds — higher GPT-5.5 limits, image generation, custom GPTs — and who should pay.

Claude Free vs Pro: Is Claude Pro Worth $20/Month?

Claude's free tier gives you Claude Sonnet 5 with limits. Claude Pro costs $20/month and adds higher limits, Opus 5 and Claude Code. Here is what the upgrade actually adds and who should pay.

Gemini Free vs Google AI Pro: Is the Upgrade Worth $19.99/Month?

Gemini Free is capable for casual use. Google AI Pro — the plan Google previously sold under the 'Advanced' name — costs $19.99/month for Gemini 3.1 Pro plus 2TB storage. Here is what the upgrade adds and who should pay.

Cursor vs GitHub Copilot 2026: Which AI Coding Tool Is Worth Paying For?

Cursor Pro at $20/month vs GitHub Copilot Pro at $10/month — both route to Claude Sonnet 5 and GPT-5.4. An honest comparison of features, price and which one fits your workflow.

Cursor vs Replit 2026: Which AI Dev Tool Is Right for You?

Cursor Pro and Replit Core both cost $20/month. Cursor is the AI IDE for experienced developers, running Claude Sonnet 5 and GPT-5.4; Replit is the fastest path from idea to deployed app with zero setup.

GitHub Copilot vs Replit 2026: Which Should Developers Pay For?

GitHub Copilot Pro at $10/month adds Claude Sonnet 5 and GPT-5.4 to your existing IDE. Replit Core at $20/month is an all-in-one browser IDE with AI and hosting. Here is which one wins for each type of developer.

Gemini vs Claude: Real Cost Comparison for 2026

Google AI Pro is $19.99/month; Claude Pro is $20. On the API, Gemini 3.8 Flash at $0.75/$3.75 per 1M tokens undercuts Claude Sonnet 5 at $2/$10 — but at the Pro tier Claude is now cheaper on output than Gemini 3.1 Pro.

OpenAI vs Anthropic for Business: Which Should Your Team Choose?

A practical comparison of OpenAI and Anthropic for business teams — GPT-5.4 at $2.50/$15 vs Claude Sonnet 5 at $2/$10 per 1M tokens, reliability, integrations and which provider fits which workload.

Perplexity vs You.com: Which AI Search Tool Is Worth Paying For?

A direct cost and quality comparison of Perplexity Pro ($20/month) and You.com Pro (from $15/month) for research and AI-powered search in 2026.

Microsoft Copilot vs ChatGPT Plus: Which Is Better for Office Work?

Microsoft Copilot Pro is $30/month; ChatGPT Plus is $20. Both run OpenAI's GPT-5 models — the question is whether native Word, Excel and Outlook integration is worth $10 more.

Notion AI vs ChatGPT Plus: Which Is Worth Paying For?

A direct comparison of the Notion AI add-on ($10/month) and ChatGPT Plus ($20/month, GPT-5.5) — which delivers more value for knowledge workers who already use Notion.

Grammarly vs ChatGPT for Writing: Which Should You Pay For?

A cost and capability comparison of Grammarly Premium ($12–30/month) and ChatGPT Plus ($20/month, GPT-5.5) for writers — which tool delivers more writing value per dollar in 2026.

Claude vs Perplexity: Which Is Better for Research and Writing?

Claude Pro (Claude Sonnet 5 and Opus 5) and Perplexity Pro both cost $20/month, with very different strengths for research and writing work. Here is how to choose.

Replit vs Cursor: Which Coding AI Is Worth Paying For?

Replit Core and Cursor Pro both cost $20/month but are fundamentally different products — a browser IDE with hosting versus a local AI editor running Claude Sonnet 5 and GPT-5.4.

DeepSeek vs Claude: Is a 5x Price Gap Ever Justified?

DeepSeek V4 Pro costs $0.66/$1.98 per 1M tokens; Claude Sonnet 5 costs $2/$10 — 3x on input, 5x on output. A breakdown of when Claude's premium is worth paying and when it isn't.

DeepSeek V4 Pro vs GPT-5.5: 15x Cheaper on Output, 2 Points Behind on Benchmarks

DeepSeek V4 Pro costs $0.66/$1.98 per 1M tokens; GPT-5.5 costs $5/$30 — 7.6x on input, 15x on output — while scoring within 2 points on SWE-bench Verified. When that gap matters and when it doesn't.

DeepSeek vs Claude for Coding: V4 Pro at One-Fifth of Sonnet 5's Output Price

DeepSeek V4 Pro costs $0.66/$1.98 per 1M tokens against Claude Sonnet 5's $2/$10, with published coding benchmarks in the same band. What that means for code review pipelines, coding agents and IDE integrations.

DeepSeek vs ChatGPT vs Claude: The $0 vs $20/Month vs API Decision

DeepSeek's chat is free. ChatGPT Plus and Claude Pro both cost $20/month. On the API, DeepSeek V4 Flash at $0.05/$0.16 per 1M tokens undercuts GPT-5.5 and Claude Sonnet 5 by 49x or more. A decision matrix for which surface fits your usage.

ChatGPT Pro vs Claude Max: The $200/Month Decision

ChatGPT Pro is $200/month. Claude Max starts at $100 and tops out at $200. Here's who should pay power-tier prices for GPT-5.5 or Claude Opus 5 — and who is burning $2,400 a year.

ChatGPT Business vs Enterprise: Which Plan Fits Your Team?

ChatGPT Business is $25 per seat monthly ($20 annual); Enterprise is custom-priced. Here's the honest line between them — and when neither is right.

Skip the comparison — try the cheap winner

Across most comparisons, DeepSeek V4 Flash wins on $/token. Or use the calculator/decision engine for your own scenario.

If our calculators helped you cut down on hidden AI wallet leaks, thanks for using them. A tiny fraction of your savings is what keeps our pricing indexes updated daily.

Not sure which AI is cheapest for your use case? Find out in 30 seconds — no signup required.

AI cost intelligence

Stop overpaying for AI tools

Join the OverpayingForAI list for pricing updates, cheaper alternatives, and practical buying guidance.

Now tracking 50+ AI tools, models, platforms, subscriptions, coding tools, and automation products.

We use your email only for OverpayingForAI updates. Unsubscribe anytime.