CodingPlans
AI coding plans · 2026-10-08

What does each AI coding plan really give you?

Flat-rate plans are often subsidised. We convert every plan into API-equivalent dollars, output tokens and a single score, next to the intelligence of the models you can actually use.

[ Products we track ]

Biggest subsidy
25x
Claude Max 20x · $200/mo · estimate
Most output tokens
92.6M/mo
Claude Max 20x on Claude Opus 5.5 · estimate
Smartest model access
58
Claude Opus 5.5 · cheapest: Copilot Pro
Best composite
100
Claude Max 20x · $200/mo · estimate

Assuming you use your full plan allowance

[ Leaderboard ]

Plans ranked by value

Click any column to sort and any plan to open its vendor page. To use your own usage numbers, open Filters.

AI coding plans ranked by composite value score. Column headers sort the table.
Plan
Claude Max 20xClaude Opus 5.5$200$5,00025x92.6M$2.1658
100
Claude Max 5xClaude Opus 5.5$100$1,50015x27.8M$3.6058
95
ChatGPT Pro $500GPT-6 Astra$500$10,00020x64.5M$7.7553
92
ChatGPT Pro $200GPT-6 Astra$200$4,50023x29.0M$6.8953
89
Claude ProClaude Opus 5.5$20$25013x4.6M$4.3258
89
Devin / Windsurf MaxClaude Opus 5.5$200$1,4007.0x25.9M$7.7158
89
ChatGPT Pro $100GPT-6 Astra$100$1,50015x9.7M$10.3353
85
Google AI UltraGemini 4 Argon · tokens at Claude Sonnet 5.5 (assumed)$250$1,5006.0x55.6M$4.5053
83
ChatGPT Plus (Codex)GPT-6 Astra$20$25013x1.6M$12.4053
79
Devin / Windsurf ProClaude Opus 5.5$20$1206.0x2.2M$958
78
Cursor UltraClaude Opus 5.5$200$6003.0x11.1M$1858
76
Google AI ProGemini 4 Argon · tokens at Claude Sonnet 5.5 (assumed)$19.99$804.0x3.0M$6.7553
68
Copilot MaxClaude Opus 5.5$100$2002.0x3.7M$2758
67
Cursor Pro+Claude Opus 5.5$60$1051.8x1.9M$30.8658
63
Copilot Pro+Claude Opus 5.5$39$701.8x1.3M$30.0958
62
ChatGPT GoGPT-6 Luna$8$405.0x25.8M$0.3138
60
Cursor ProClaude Opus 5.5$20$301.5x556K$3658
57
Copilot ProClaude Opus 5.5$10$151.5x278K$3658
54
Kiro PowerClaude Opus 5$200$4002.0x5.2M$38.75n/a
51
Kiro Pro MaxClaude Opus 5$100$2002.0x2.6M$38.75n/a
47
Kiro Pro+Claude Opus 5$40$802.0x1.0M$38.75n/a
42
Kiro ProClaude Opus 5$20$402.0x516K$38.75n/a
38
Zed Promodel menu varies · tokens at Claude Sonnet 5.5 (assumed)$10$4.550.5x169K$59.34n/a
5
[ Score ]

Composite score by plan

Each plan's 0 to 100 score blends subsidy, intelligence and capacity using the weights in Filters. Hatched columns are estimates, solid columns are vendor-published.

100
Claude Max 20x
95
Claude Max 5x
92
ChatGPT Pro $500
89
ChatGPT Pro $200
89
Claude Pro
89
Devin / Windsurf Max
85
ChatGPT Pro $100
83
Google AI Ultra
79
ChatGPT Plus (Codex)
78
Devin / Windsurf Pro
76
Cursor Ultra
68
Google AI Pro
67
Copilot Max
63
Cursor Pro+
62
Copilot Pro+
60
ChatGPT Go
57
Cursor Pro
54
Copilot Pro
51
Kiro Power
47
Kiro Pro Max
42
Kiro Pro+
38
Kiro Pro
5
Zed Pro
[ Subsidy ]

Value multiple: API value ÷ price

How many dollars of API list-price usage each dollar of subscription buys. Hatched bars are estimates, solid bars are vendor-published. The dashed line is break-even with just paying the API.

Claude Max 20x
$200/mo → $5,000 API value
25x
ChatGPT Pro $200
$200/mo → $4,500 API value
23x
ChatGPT Pro $500
$500/mo → $10,000 API value
20x
Claude Max 5x
$100/mo → $1,500 API value
15x
ChatGPT Pro $100
$100/mo → $1,500 API value
15x
Claude Pro
$20/mo → $250 API value
13x
ChatGPT Plus (Codex)
$20/mo → $250 API value
13x
Devin / Windsurf Max
$200/mo → $1,400 API value
7.0x
Google AI Ultra
$250/mo → $1,500 API value
6.0x
Devin / Windsurf Pro
$20/mo → $120 API value
6.0x
ChatGPT Go
$8/mo → $40 API value
5.0x
Google AI Pro
$19.99/mo → $80 API value
4.0x
Cursor Ultra
$200/mo → $600 API value
3.0x
Copilot Max
$100/mo → $200 API value
2.0x
Kiro Pro
$20/mo → $40 API value
2.0x
Kiro Pro+
$40/mo → $80 API value
2.0x
Kiro Pro Max
$100/mo → $200 API value
2.0x
Kiro Power
$200/mo → $400 API value
2.0x
Copilot Pro+
$39/mo → $70 API value
1.8x
Cursor Pro+
$60/mo → $105 API value
1.8x
Cursor Pro
$20/mo → $30 API value
1.5x
Copilot Pro
$10/mo → $15 API value
1.5x
Zed Pro
$10/mo → $4.55 API value
0.5x
1x: same as API
[ Price vs value ]

Price vs API-equivalent value

Points above the 1x line get more than they pay for. Log scales on both axes: every step up the diagonals is a bigger subsidy.

$3$10$30$100$300$1k$3k$10k$5$10$20$50$100$200$500Monthly price (USD, log scale)API-equivalent value (USD/mo, log scale)1x (API price)2x5x10xClaude ProClaude Max 5xClaude Max 20xChatGPT Pro $200Cursor UltraCopilot MaxKiro ProZed Pro
  • Published by the vendor
  • Estimated (editorial)
[ Watchlist ]

Not scored yet

Products worth tracking where I could not verify plan pricing from a readable source.

  • Z.ai GLM Coding Plan
    GLM-5.3 (AA 45)

    Pricing page is rendered client-side and could not be read, so no plan price is scored. Models are very strong for the price per AA data.

  • Kimi Code
    Kimi K3 (AA 44)

    Plan tiers and prices are behind a client-rendered page (in Chinese); not verified.

  • Zed / BYOK and Claude Code API keys
    any

    Pay-as-you-go API use is the 1.0x baseline every plan is compared against.