Adding up official list prices (all checked 2026-10-23, USD), an AI coding budget lands around $20/month to try one tool solo, $120 for daily side-project use, and $125 for a five-person team. These are generic examples, not anyone's actual spending. Prices change, so check official pages before subscribing.
Monthly prices (billed monthly)
| Tool | Plan | Monthly |
|---|---|---|
| Claude | Pro | $20 |
| Claude | Max 5x / Max 20x | $100 / $200 |
| Claude | Team (Standard seat) | $25 per seat |
| ChatGPT (Codex) | Plus | $20 |
| ChatGPT (Codex) | Business | $25 per user |
| Cursor | Plus / Premium | $8 / $30 |
| Cursor | Teams | from $30 per seat |
| GitHub Copilot | Pro / Pro+ / Max | $10 / $39 / $100 |
Gotchas:
- Claude Code isn't included in Claude Free; it is in Pro, Max and Team. Max is monthly only
- Codex CLI with a ChatGPT plan needs Plus or higher
- Cursor Plus runs Grok models only
Three sample setups
Solo trial: Claude Pro $20 = $20/month
Side project: Claude Max 5x $100 + ChatGPT Plus $20 = $120/month
Small team: Claude Team Standard $25 × 5 = $125/month
(annual: $20 × 5 = $100/month)
A second subscription lets you keep working when one tool hits its limit. ChatGPT Business for five also comes to $125; Cursor Teams is $150 and up.
Costs beyond the subscription
- API keys bill per use at API rates
- Claude usage credits bill overage at standard API rates; Copilot lets you set a budget for extra usage
- Third-party models on Cursor Premium and above are billed at API list price
- CI runs draw on plan usage or API billing; an always-on agent adds server cost
Limits reset on different clocks
Claude: five-hour session limit plus weekly limit (shared between chat and Claude Code). Cursor: weekly. Copilot: monthly allowance.
Sources: claude.com/pricing, learn.chatgpt.com/docs/pricing, cursor.com/pricing, github.com/features/copilot/plans (checked 2026-10-23)
👉 Full article with annual pricing and all sources: https://agentkoji.com/en/articles/ai-dev-monthly-cost/
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