What is the least I can pay and still get past the free limits?
The cheapest paid AI plans, under $20 a month
9 plans from 6 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. People who hit a free limit once a week and do not want to spend $20 to fix it.
The honest part: 1 of these 9 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 |
|---|---|---|---|---|
| Google AI (Gemini, Antigravity) | AI Plus | $4.99/mo | Monthly only | Gemini app usage: 2x the Free limits1 of 5 limits on this plan has no published figure. |
| ChatGPT + Codex | Go | $8/mo | Monthly only | Codex: GPT-6 Luna at Standard speed in the desktop app, subject to rollout; no message figures publishedNo figure published2 of 3 limits on this plan have no published figure. |
| Cursor | Plus | $8/mo | $6.67/mo−17% | Annual price: $80/yr1 of 4 limits on this plan has no published figure. |
| Bolt | Lite | $9/mo | Monthly only | Attachments per message: 20 files, up to 100 MB each1 of 4 limits on this plan has no published figure. |
| Amp | Education (Megawatt at 50% off) | $10/mo | Monthly only | Monthly credits for other models: $10 in credits each month1 of 2 limits on this plan has no published figure. |
| GitHub Copilot | Pro | $10/mo | Monthly only | AI credits: 1,000 base + 500 flex = 1,500 credits ($15) |
| GitHub Copilot | Copilot access | $10/seat/mo | Monthly only | AI credits: No included allowance; metered usage billed from first use |
| GitHub Copilot | Business | $19/seat/mo | Monthly only | AI credits: 1,900 per user per month, pooled across the organization/enterprise |
| Google AI (Gemini, Antigravity) | AI Pro | $19.99/mo | Monthly only | Gemini app usage: 4x the Free limits2 of 6 limits on this plan have 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
1 of the 9 plans here publish a lower monthly price when billed annually. The biggest cut is Cursor Plus: $6.67 a month instead of $8, 17% off, or $16 over a year. The other 8 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
2 of these are priced per seat, so the sticker price is not the bill. At five seats, paid monthly:
- GitHub Copilot Copilot access$50 a month for five
- GitHub Copilot Business$95 a month for five
Who has nothing at this price
7 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: Claude, Devin (Windsurf), Replit, Lovable, v0, Kiro, Augment Code.
Next band
Free
What the free AI plans actually give you
14 plans from 12 vendors.
$20
What $20 a month of AI buys
12 plans from 9 vendors.
Start from the beginning: should you pay at all?·Filter by budget and use case·All 13 vendors, every limit