AI API vs Subscription Break-Even Calculator

API-equivalent cost versus plan price

Enter a monthly usage profile for one API model. The tool prices the same tokens at the ledger’s per-million-token prices, then compares that cost with the monthly price of the plans that include a named coding tool (Claude Code or Codex).

What is compared, and what is not. A plan is compared only if its ledger row lists the tool in tools_included. The result is a price comparison, not a promise that a plan’s limits cover your usage: vendors mostly do not publish plan allowances as token counts, and OpenAI states that API token prices are separate from subscription usage and should not be used to estimate included tasks.

    Your usage

    For example, 10 means 10 million tokens.

    For example, 2 means 2 million tokens.

    Defaults to today. Scheduled price changes apply from their date. Clear it to use the listed prices.

    Results update as you type. A summary of the result is announced here when you leave a field or press Calculate.

    Monthly API-equivalent cost

    Compared with plans that include the tool

    API-equivalent cost compared with each plan’s monthly price
    Plan (ledger row)Plan price per monthAPI-equivalent cost minus plan priceWhich is lowerBreak-even volume (total tokens per month)

    Assumptions

      Ledger rows used

      Ledger rows behind this result
      RowWhatPrices usedNotesSourceChecked