CodeSmart
AI Coding Plan Intelligence — 2026-06-14

Which AI coding plan is actually worth it?

Honest comparison of 30 plans across 11 providers. Real pricing, honest limits, provenance-tracked data — not marketing copy.

Claude (Anthropic)ChatGPT (OpenAI)GitHub CopilotCursorGemini (Google)+6 more
Compare plans
30
Plans tracked
11
Providers
2026-06-14
Last verified
Every figure links to its source. ● Estimated where exact limits are undisclosed.
30 plans
Best Value
AnthropicPro

Claude Pro

78
$20/mo
Estimated

Usage

Not publicly stated

~5x more usage than Free tier per Anthropic docs. Exact limit not published as a hard number; varies by model and context length.

Estimated

Models included

Claude Haiku 4.5Claude Sonnet 4.6
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code (via API)
Verified 2026-06-14View plan
AnthropicTeam

Claude Team

77
$25/moper seator $25/mo annual
Estimated

Usage

Not publicly stated

Usage pooled across team. Exact limit not published.

Estimated

Models included

Claude Haiku 4.5Claude Sonnet 4.6+1 more
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
OpenAIPro

ChatGPT Plus

77
$20/mo
Estimated

Usage

Not publicly stated

GPT-4o is generous; o3 has a smaller daily allotment. Exact limits dynamic.

Estimated

Models included

GPT-4oo4-mini+1 more
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code (Copilot mode requires separate plan)
Verified 2026-06-14View plan
GooglePro

Gemini Advanced (Google One AI Premium)

73
$19.99/mo
Estimated

Usage

Not publicly stated

No hard limit published. Subject to fair-use rate limits. Gemini 2.5 Pro has larger daily allowance than free.

Estimated

Models included

Gemini 2.5 FlashGemini 2.5 Pro
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code (Gemini Code Assist), JetBrains (Gemini Code Assist)
Verified 2026-06-14View plan
OpenAIFree

ChatGPT Free

66
Free
Estimated

Usage

Not publicly stated

Unofficial reports suggest ~10–30 GPT-4o messages per day. Not officially stated.

Unknown

Models included

GPT-4olimited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
AnthropicPro

Claude Max

61
$100/mo
Estimated

Usage

Not publicly stated

~5x Pro usage at $100/mo tier; ~20x Pro at $200/mo tier. No hard token cap published.

Estimated

Models included

Claude Haiku 4.5Claude Sonnet 4.6+1 more
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code (via Claude.ai), JetBrains (via Claude.ai)
Verified 2026-06-14View plan
GoogleFree

Google AI Studio (Free)

60
Free
Estimated

Usage

15 RPM

Free-tier API: 15 RPM, 1M tokens/day for Gemini 2.5 Pro. Verify at ai.google.dev/gemini-api/docs/rate-limits.

Estimated

Models included

Gemini 2.5 FlashGemini 2.5 Prolimited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
GoogleFree

Gemini Free

43
Free
Estimated

Usage

Not publicly stated

Daily rate limits apply; exact limit not published. Gemini Pro access limited on free tier.

Unknown

Models included

Gemini 2.5 Flash
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
AnthropicFree

Claude Free

41
Free
Estimated

Usage

Not publicly stated

Daily rate limits apply; exact count not publicly stated. Throttled during peak.

Unknown

Models included

Claude Haiku 4.5
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
QwenApi

Qwen Free API

41
Free
Estimated

Usage

Varies

Free trial credit amount varies by region and promotion. Consumed by API calls.

Estimated

Models included

Qwen2.5-Coder-32B-InstructlimitedQwQ-32Blimited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
MiniMaxApi

MiniMax Free API

41
Free
Estimated

Usage

Varies

Trial credit amount varies; consumed by API requests.

Estimated

Models included

MiniMax-Text-01limitedMiniMax-M1limited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
MimoFree

Mimo Free

35
Free
Estimated

Usage

Not publicly stated

Free tier limits access to introductory content only.

Estimated

Models included

Mimo AI Tutorlimited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
QwenApi

Qwen Pay-per-Token

24
Contact sales
Estimated

Usage

Unlimited

No hard usage cap; billed per token consumed.

Estimated

Models included

Qwen2.5-Coder-32B-InstructQwQ-32B
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
MiniMaxApi

MiniMax Pay-per-Token

24
Contact sales
Estimated

Usage

Unlimited

No hard cap — billed per million tokens. 1M token context available on all paid requests.

Estimated

Models included

MiniMax-Text-01MiniMax-M1
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
CursorFree

Cursor Hobby

22
Free
Estimated

Usage

2,000 code completions (tab)

Estimated

Models included

Claude Sonnet (via Cursor)limitedGPT-4o (via Cursor)limited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Cursor (built-in), VS Code extensions compatible
Verified 2026-06-14View plan
OpenCodeFree

OpenCode Free

19
Free
Verified

Usage

Unlimited

No usage limits imposed by OpenCode — limits are set by your chosen LLM provider and API key quota.

Verified

Models included

BYOK — Your Choice of Model
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
KimiFree

Kimi Free

13
Free
Estimated

Usage

20 messages

Daily limit estimated; actual limit varies by model and may change.

Estimated

Models included

Moonshot v1 (128K)limited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
GitHub CopilotFree

Copilot Free

11
Free
Estimated

Usage

2,000 code completions

Estimated

Models included

Copilot Base Model (GPT-4o / Claude / Gemini)limited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code, JetBrains, Visual Studio +2
Verified 2026-06-14View plan
Copilot for XcodeFree

Copilot for Xcode Free

6
Free
Estimated

Usage

2,000 code completions

Same monthly completion allowance as GitHub Copilot Free.

Estimated

Models included

Copilot Base Model (Xcode)limited
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Xcode
Verified 2026-06-14View plan
OpenAIEnterprise

ChatGPT Pro

4
$200/mo
Estimated

Usage

Unlimited

Marketed as 'unlimited' for most models; fair-use policy applies.

Estimated

Models included

GPT-4oo3+1 more
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
GitHub CopilotIndividual

Copilot Individual

0
$8.33/moor $8.33/mo annual
Estimated

Usage

Unlimited

Unlimited completions; chat messages have a higher allowance than free tier.

Estimated

Models included

Copilot Base Model (GPT-4o / Claude / Gemini)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code, JetBrains, Visual Studio +3
Verified 2026-06-14View plan
GitHub CopilotTeam

Copilot Business

0
$19/moper seat
Estimated

Usage

Unlimited

Estimated

Models included

Copilot Base Model (GPT-4o / Claude / Gemini)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code, JetBrains, Visual Studio +3
Verified 2026-06-14View plan
GitHub CopilotEnterprise

Copilot Enterprise

0
$39/moper seat
Estimated

Usage

Unlimited

Estimated

Models included

Copilot Base Model (GPT-4o / Claude / Gemini)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: VS Code, JetBrains, Visual Studio +3
Verified 2026-06-14View plan
CursorPro

Cursor Pro

0
$16/moor $16/mo annual
Estimated

Usage

500 fast premium model requests

500 fast requests; additional slow requests available after. Resets monthly.

Estimated

Models included

Claude Sonnet (via Cursor)GPT-4o (via Cursor)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Cursor (built-in), VS Code extensions compatible
Verified 2026-06-14View plan
CursorTeam

Cursor Business

0
$40/moper seat
Estimated

Usage

500 fast premium model requests per seat

Estimated

Models included

Claude Sonnet (via Cursor)GPT-4o (via Cursor)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Cursor (built-in)
Verified 2026-06-14View plan
KimiIndividual

Kimi Plus

0
$8/mo
Estimated

Usage

Unlimited

Higher daily limit than free; k1.5 usage may still be capped.

Estimated

Models included

Moonshot v1 (128K)Kimi k1.5
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
KimiPro

Kimi Pro

0
$27/mo
Estimated

Usage

Unlimited

Higher or unlimited usage across all Kimi models.

Estimated

Models included

Moonshot v1 (128K)Kimi k1.5
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan
Copilot for XcodeIndividual

Copilot for Xcode Individual

0
$8.33/moor $8.33/mo annual
Estimated

Usage

Unlimited

Estimated

Models included

Copilot Base Model (Xcode)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Xcode, VS Code, JetBrains +2
Verified 2026-06-14View plan
Copilot for XcodeTeam

Copilot for Xcode Business

0
$19/moper seat
Estimated

Usage

Unlimited

Estimated

Models included

Copilot Base Model (Xcode)
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority QueueIDEs: Xcode, VS Code, JetBrains +3
Verified 2026-06-14View plan
MimoPro

Mimo Pro

0
$9.99/moor $9.99/mo annual
Estimated

Usage

Unlimited

Unlimited access to the full course catalog, AI tutor explanations, and certificate programs.

Estimated

Models included

Mimo AI Tutor
Agent / AgenticAPI AccessCLIWeb SearchFile UploadsPriority Queue
Verified 2026-06-14View plan

Side-by-Side Comparison

Showing top 6 plans by value score. Filter above to narrow to specific tiers.

Feature
Claude Pro
Anthropic
Claude Team
Anthropic
ChatGPT Plus
OpenAI
Gemini Advanced (Google One AI Premium)
Google
ChatGPT Free
OpenAI
Claude Max
Anthropic
Pricing
Monthly price$20/mo$25/mo$20/mo$19.99/moFree$100/mo
Annual price$25/mo
Per seat
Value Score
Overall score78/10077/10077/10073/10066/10061/100
Benchmark index80/10080/10079.4/10072.1/10057.2/10080/100
WMQ score41.1/10056.9/10038.8/10036.2/10021.7/10056.9/100
QAMU value score
Usage Limits
Usage typeNot disclosedNot disclosedNot disclosedNot disclosedNot disclosedNot disclosed
Features
Agent / Agentic
Web search
File uploads
CLI access
API access
Priority queue
Custom instructions
Team features
SSO
IDE integrations1 IDEs1 IDEs2 IDEs2 IDEs
Context length200K200K200K1000K128K200K

How Value Score Works

The QAMU Value Score measures quality-adjusted tokens per dollar: we take the plan's monthly token budget, multiply by Weighted Model Quality (50% agentic index + 40% coding index + 10% speed from Artificial Analysis), then divide by price. Score of 100 = 1M quality-adjusted tokens for $20/mo.

Data Confidence Levels

  • ● Observed — confirmed from official source
  • ● Inferred — derived from observed data
  • ● Estimated — reasonable assumption, unverified
  • ● Stale — source is >90 days old
  • ● Unknown — provider does not disclose

AA Benchmark Indices

  • Agentic index (50%) — multi-step tool-use, coding agents
  • Coding index (40%) — code generation, refactor, debug
  • Speed score (10%) — normalized tokens/second
  • Source: artificialanalysis.ai · confidence: assumed