AI subscription comparison 2026: prices, limits, and cost risk

Figma Full-seat prices distinguish monthly billing from annual commitments.

Budget $20 for monthly Professional seats; the $16, $55, and $90 references require annual billing. This corrects our billing labels and does not establish a new vendor price-change date.

Claude Team starts at two members; Enterprise billing and API catalog are refreshed.

Small teams can now compare a two-member Team subscription. Enterprise budgets need annual seat commitments plus model usage; migrate model IDs and test workload quality before applying Opus 5.5's $4/$20 rate. Final model and rollout selection needs editorial review.

Replit Core and Pro use a lower annual subscription baseline.

Recalculate both fixed subscriptions and included credit: Core costs less but its included credit also falls from $25 to $20. Pro's annual equivalent is $90; Agent and cloud overages remain separate. These are changes detected against our saved data, not asserted release dates.

Google AI consumer plans refresh prices and storage, with two Ultra tiers.

Compare the selected Ultra access level and storage instead of a single $249.99/5 TB assumption. Consumer subscriptions do not replace Workspace team governance. U.S. reference prices require regional checkout confirmation.

Cursor's current docs price every Auto request at the routed model's rate.

Do not assume Cost mode is a no-cost baseline. Model the paid seat separately from per-user pools, routed-model prices, the third-party Token Rate, and the decision to leave on-demand use enabled. Set per-user limits before a broader agent rollout.

Microsoft's current Copilot Business page extends the $18 offer to December 31 and needs term verification for $25.20.

Use $18 only for a qualifying first-year purchase completed in the documented offer window. Do not turn the $25.20 display into a cancellation assumption: confirm the checkout and contract term before comparing it with a true month-to-month assistant or calculating savings.

Rovo Dev Standard costs $20 per developer per month for 2,000 credits that reset monthly. Extra usage is $0.01 per credit; Atlassian's published default extra-usage limit is another 2,000 credits, so the ordinary pre-tax planning range is $20–$40 per developer per month unless an admin changes that cap. A separate, eligibility-dependent Rovo Dev Free path gives an activated paid-Jira site 350 credits per user per month and has no paid extra usage. Do not confuse either Rovo Dev offer with core Rovo: Rovo Search, Chat, and Agents start at $0 incremental cost inside eligible paid Atlassian Cloud plans, with their own pooled allowances.

Latest buying impact: Use the 350-credit path only after confirming site activation and eligibility. It can lower the cost of a tightly scoped pilot, but it is not a safe baseline for a company-wide Rovo Dev budget; otherwise model Standard at $20 per developer per month plus approved extra usage.

On Microsoft's current U.S. price page, Copilot Business is $18/user/month paid yearly for the first year through December 31, 2026, versus a $21 annual list price. The same page separately displays $25.20/user/month as a monthly subscription that auto-renews, while Microsoft's current FAQ describes Copilot Business as an annual commitment with monthly or annual billing and no month-to-month purchase agreement. Do not infer a cancellation right from either label: confirm the checkout and contract term before buying. It requires a qualifying Microsoft 365 Business Basic, Standard, or Premium license and supports up to 300 seats per tenant. Business Standard + Copilot is $23.50/user/month paid yearly and Business Premium + Copilot is $32. Model $18 only for a qualifying enrollment window, then confirm the purchase path and renewal amount before committing.

Latest buying impact: Use $18 only for a qualifying first-year purchase completed in the documented offer window. Do not turn the $25.20 display into a cancellation assumption: confirm the checkout and contract term before comparing it with a true month-to-month assistant or calculating savings.

Pro is $20/month and Max is $200/month for one user. Teams public pages disagree: pricing shows $80 plus $40 per full seat, while billing docs count $40 seats toward an $80 minimum. Compare both subscription scenarios and confirm checkout before budgeting usage.

Latest buying impact: Teams buyers must model both the base plan and the number of users who need full Devin capacity.

Pro at $20 is the paid entry point. Teams Standard is $40/user/month ($32 annual equivalent), while Premium is $120/user/month ($96 annual equivalent) for 5x Standard usage. Each paid team seat has separate per-user pools that reset each billing cycle, not a shared team allowance. After included usage is consumed, on-demand use can continue; all Auto modes bill at the routed model's list price, and third-party requests also add the $0.25-per-million-token Cursor Token Rate. Set per-user limits before rollout.

Latest buying impact: Do not assume Cost mode is a no-cost baseline. Model the paid seat separately from per-user pools, routed-model prices, the third-party Token Rate, and the decision to leave on-demand use enabled. Set per-user limits before a broader agent rollout.

GitHub Copilot starts with Free and Pro at $10/month. Current documentation lists 1,500 monthly AI Credits for Pro, 7,000 for Pro+, and 20,000 for Max, corresponding to published $15, $70, and $200 total credit values. For organization rollout, Business is $19 per granted seat per month with 1,900 AI Credits per user and Enterprise is $39 with 3,900; licenses contribute to a shared pool, and usage beyond the pool is $0.01 per AI Credit.

Latest buying impact: Recalculate new and current team budgets against the current 1,900 or 3,900-credit baseline, not the expired promotional allowance. Set organization and user spending controls before enabling usage-based overages.