Everyone charges $20 — which $20 is the best one?
What $20 a month of AI buys
12 plans from 9 of the 13 vendors we track sit in this band, at prices read on each vendor's own pricing or help page on November 6, 2026. The default decision: almost every vendor has a plan here, and for most people one of them is the only subscription needed.
The honest part: 2 of these 12 plans publish no number for their main limit — the vendor describes it in words only. We copy the wording rather than invent a figure, so you can see which purchase you would be making blind.
Every plan in this band
| Tool | Plan | Price | Paid yearly | The limit the vendor publishes |
|---|---|---|---|---|
| Amp | Individual Megawatt | $20/mo | Monthly only | Hosted orb minutes: 45,000 minutes of orbin' time1 of 5 limits on this plan has no published figure. |
| Augment Code | Standard | $20/mo | Monthly only | Included usage: $20 per month across LLM, Context Engine and compute |
| ChatGPT + Codex | Plus | $20/mo | Monthly only | Codex local messages, GPT-6 Astra: 5 to 45 per 5 hours1 of 10 limits on this plan has no published figure. |
| Claude | Pro | $20/mo | $17/mo−15% | Session usage: More usage than Free every 5 hours; no multiple statedNo figure published2 of 7 limits on this plan have no published figure. |
| Devin (Windsurf) | Pro | $20/mo | Monthly only | Agent usage: Increased quotas, including access to frontier models from OpenAI, Claude, Gemini, and SpaceXAI, plus leading open source models; full model availability; refreshed daily and weeklyNo figure published1 of 4 limits on this plan has no published figure. |
| Kiro | Pro | $20/seat/mo | Monthly only | Credits: 1,000 per month |
| Kiro | Teams (credit pooling) | $20/seat/mo | Monthly only | Credits: 500 included per seat per month, shared by all seat holders in the pool |
| Replit | Core | $20/mo | $18/mo−10% | Free Mode chat: Up to 30 hours of chat on Free Mode |
| Bolt | Pro | $25/mo | $18/mo−28% | Tokens: Starts at 10M per month (10M on the $25 tier)1 of 8 limits on this plan has no published figure. |
| ChatGPT + Codex | Business | $25/seat/mo | $20/mo−20% | Codex local messages, GPT-6 Astra: 5 to 45 per 5 hours1 of 9 limits on this plan has no published figure. |
| Claude | Team (standard seat) | $25/seat/mo | $20/mo−20% | Session usage: 1.25x the Pro per-session allowance1 of 8 limits on this plan has no published figure. |
| Lovable | Pro | $25/mo | $21/mo−16% | Plan credits: 100 per month at $25; 200 at $50, 400 at $100, 800 at $200, 1,200 at $294, 2,000 at $480, 3,000 at $705, 4,000 at $920, 5,000 at $1,125, 7,500 at $1,688, 10,000 at $2,2501 of 8 limits on this plan has no published figure. |
Every row links to that vendor's full plan page on this site, where each limit is listed with the vendor page it was copied from and the date. Methodology
Paying yearly
6 of the 12 plans here publish a lower monthly price when billed annually. The biggest cut is Bolt Pro: $18 a month instead of $25, 28% off, or $84 over a year. The other 6 charge the same either way, so there is nothing to gain by committing. Each plan page lists the vendor wording the annual figure came from.
The per-seat ones, for a team of five
4 of these are priced per seat, so the sticker price is not the bill. At five seats, paid monthly:
- Kiro Pro$100 a month for five
- Kiro Teams (credit pooling)$100 a month for five
- ChatGPT + Codex Business$125 a month for five
- Claude Team (standard seat)$125 a month for five · 2 to 150 seats
Who has nothing at this price
4 of the vendors we track offer no plan in this band, which is itself a useful answer if you were hoping to use one of them at this budget: Cursor, GitHub Copilot, Google AI (Gemini, Antigravity), v0.
Next band
Under $20
The cheapest paid AI plans, under $20 a month
9 plans from 6 vendors.
$100
When a $100 AI plan starts to pay for itself
10 plans from 9 vendors.
Start from the beginning: should you pay at all?·Filter by budget and use case·All 13 vendors, every limit