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AI agent pricing: what each plan really buys
A plan's monthly price says less than its limits, because an agent may keep working for hours and several plans meter all of that effort.
Personal agents are paid for in three ways. The big labs fold them into monthly subscriptions, from $19.99 for Google AI Pro to $500 for the top ChatGPT Pro tier, and the higher prices mostly buy headroom rather than features. That headroom is where the catch lies: an agent can work for hours, and depending on the plan its effort is counted in usage multiples, five-hour sessions or weekly token allowances. Muse adds a free tier with a weekly cap. OpenClaw costs nothing to install, but a model provider bills you for every token it reads and writes, plus a server if it does not live at home.
DotsRead on →
| Plan | Price | What you get |
|---|---|---|
| ChatGPT Pro Full agent | $100 a month | The cheapest personal route to Dots at $100 a month: one Dot you can talk to without touching your limits, plus five times Plus usage across Codex and ChatGPT Work. |
| ChatGPT Pro (20x) Full agent | $200 a month | Still a single Dot, but since DevDay 2026 this tier offers 10x rather than 20x Plus usage in Codex and Work and 100 weekly GPT-6 Pro messages, so weigh it against the $100 tier. |
| ChatGPT Pro 500 Full agent | $500 a month | One Dot with OpenAI's highest limits and Astra Ultrafast, a mode that pushes GPT-6 Astra to as many as 300 tokens a second in Codex and Work, for heavy use all day. |
| ChatGPT Business Premium Full agent | $125 a month per seat $100 a month on yearly billing | A Dot for every Premium seat at $125 a month or $100 on yearly billing, with 5x Standard usage, a two-seat minimum and sale in every ChatGPT region, the EU and UK included. |
| ChatGPT Enterprise / Edu / Healthcare Preview | Priced through sales per seat | Dots arrive on these plans as a beta that a workspace admin has to enable, priced through sales, while role-based specialist Dots, each with a separate identity and set of credentials, are still being piloted. |
MuseRead on →
| Plan | Price | What you get |
|---|---|---|
| Muse Free Limited agent | Free | A weekly cap of 100 million Muse tokens that costs nothing, open to Canadian and US adults, although Meta still wants a payment card at sign-up. |
| Muse Power Full agent | $20 a month | Raises the weekly allowance to 500 million Muse tokens for $20 a month, with exactly the features of Maximum, for anyone who keeps running dry on the free cap. |
| Muse Maximum Full agent | $100 a month | Three billion Muse tokens a week for $100 a month, sized for people who keep a whole crew of helper agents busy day and night. |
Gemini SparkRead on →
| Plan | Price | What you get |
|---|---|---|
| Google AI Pro Limited agent | $19.99 a month | The cheapest paid door to Gemini Spark at $19.99 a month, but since July 2026 only subscribers in the US get the agent with it, and Google says more countries will follow. |
| Google AI Ultra (5x) Full agent | $99.99 a month | Gemini Spark with five times Pro usage for $99.99 a month, and the plan that unlocks it in most supported countries, with Nigeria, Switzerland, the UK and the EEA excluded. |
| Google AI Ultra (20x) Full agent | $199.99 a month | Twenty times Pro usage and access to Google's experimental features at $199.99 a month, aimed at heavy users whose working day already runs through Gmail, Calendar and Docs. |
ClaudeRead on →
| Plan | Price | What you get |
|---|---|---|
| Claude Pro Full agent | $20 a month $17 a month on yearly billing | The merged Claude experience at $20 a month, or $17 billed yearly, with long-running tasks, connectors and beta access to Docs and Slides, a sensible first plan for most newcomers. |
| Claude Max 5x Full agent | $100 a month | Five times Pro usage in every five-hour session plus priority access when demand peaks, for $100 a month, suited to anyone who regularly runs into the Pro ceiling. |
| Claude Max 20x Full agent | $200 a month | Twenty times Pro usage per five-hour session for $200 a month, identical to Max 5x in every other respect, for people who give Claude agent work every working day. |
OpenClawRead on →
| Plan | Price | What you get |
|---|---|---|
| OpenClaw (self-hosted) Full agent | Free | No subscription and no paid edition: the software is free, and your monthly bill is whatever the connected model and the machine running it happen to cost. |
What OpenClaw costs to run
Running OpenClaw on a computer you already own adds nothing to your hosting bill. An agent meant to stay on around the clock is better placed on a small VPS or a home server, and a rented VPS typically comes to about $5 to $20 a month. The installer supports macOS, Linux, WSL2 and Windows and brings Node along if it is missing, so there is no software to buy. Whatever the machine, the gateway should listen only on loopback and be reached through SSH or Tailscale rather than an exposed port.
The larger and less predictable cost is the model. You can pay per token with an API key, use a subscription you already have, or run a local model that costs nothing per token. List prices per million tokens range from $0.10 in and $0.50 out on GPT-6 Luna to $10 and $50 on GPT-6 Astra, with Claude Sonnet 5.5 and GPT-6.1 Sol both at $2 and $10 and Claude Opus 5.5 at $4 and $20. Because an agent resends its context at every step, the cached input rate often decides the bill, and your provider must also serve your country.
Model fees, about $43.20 a month
These figures use list API prices and assume that half of each task's input tokens are served from cache at the cheaper rate and that a month has 30 days.
Questions readers ask
Which personal AI agent costs the least?
Muse Free and OpenClaw are the two routes with no subscription fee. Muse Free is open only to adults living in Canada and the US and still wants a payment card, while OpenClaw costs nothing as software, so you spend money only on the model it uses and the machine that hosts it. The cheapest paid options are Claude Pro at $20 and Google AI Pro, which costs $19.99 monthly but includes Gemini Spark only for US subscribers.
Can I save money on an AI agent by paying yearly?
Two plans in our table list a yearly price. Claude Pro falls from $20 to $17 a month when billed annually, and a ChatGPT Business Premium seat drops from $125 to $100. For the other plans we only have monthly prices, so check the checkout page before you commit to a year.
Do agent tasks count against my plan's usage limits?
It depends on the maker. Conversations with a Dot are not metered, yet any Codex or ChatGPT Work job it launches draws on your allowance, and OpenAI has published no figure for what proactive research consumes. Claude Max is measured per five-hour session as a multiple of Pro, while Muse counts tokens against a weekly allowance, so a long browsing errand costs more than many short questions.
Why does the same agent come in several price tiers?
The upper tiers mostly sell more usage, not more ability. Muse Power and Muse Maximum share one feature set, and Claude Max 20x offers nothing beyond Max 5x except a higher ceiling. The exceptions are ChatGPT Pro 500, which adds Astra Ultrafast, and Google AI Ultra at $199.99, which adds Google's experimental features.
How much does it cost to run a self-hosted AI agent?
OpenClaw itself is free and has no paid edition. The model provider charges you by the token or covers the agent under a plan you already pay for, unless you use a local model. Renting a small VPS so the agent never sleeps typically adds $5 to $20 a month, and hosting it at home removes that line entirely.