Is your AI subscription upgrade worth it?
Compare two plans, account for annual billing and team size, and find the extra time the more expensive plan needs to save. Use it for Claude, ChatGPT, Cursor, Copilot, or any other paid tool.
What the upgrade must earn back
120 minutes
of additional time saved per person each month to cover the price difference.
- Current monthly equivalent / seat
- $20.00
- Alternative monthly equivalent / seat
- $100.00
- Additional monthly cost, all seats
- $80.00
- Additional annual cost, all seats
- $960.00
- Estimated monthly value of extra time saved
- $120.00
- Time value minus additional monthly cost
- $40.00
This values your time; it does not predict cash income or guarantee productivity. Annual equivalents spread the bill over 12 months, even if payment is due upfront.
Results use the last calculated inputs. Your inputs stay in this page and are not stored.
How the break-even calculation works
First, divide any annual bill by 12. Subtract the current monthly price from the alternative monthly price, then divide by the value of an hour of your time. Multiply by 60 to express the result in minutes per person per month.
Example: moving from 20 to 100 per month adds 80. If an hour is worth 40, the upgrade must save two extra hours each month. For five seats, the additional monthly bill is 400; each person still needs to save two hours.
Compare the limits before paying
A higher price does not guarantee a proportional increase in usable capacity. Check the model, reset window, fair-use limits and overage terms for your workload. The calculator uses your assumptions and does not estimate vendor quotas.
- Claude plans and usage limits
- Cursor pricing and usage
- Codex plans and rate-limit resets
- Google AI plans and comparisons
- Explore the source-backed trackers and datasets
Which prices should I enter?
Use the price shown on your own bill or the vendor checkout in your region. For a price advertised as “per month, billed annually,” multiply it by 12 before choosing the annual option. Add expected overage charges and any applicable tax consistently to both plans. All seats in a comparison are assumed to have the same price and time savings.
What does a negative cost difference mean?
The alternative costs less. It needs no additional time savings to cover the fee difference, but a cheaper plan may have lower limits or capabilities. The model does not include cancellation penalties, migration work, or lost productivity.
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