AI Coding Product Pricing 2026: Subscriptions, Coding Plans, and API

All prices from official pages as of 2026-05-29. Sources at the end.

Pick by Budget

• Under $10/month (try it out): Xiaomi MiMo Token Plan Lite at $6/month (¥39/month), 4.1B Credits, compatible with Claude Code / OpenClaw / OpenCode. Enough for light use on mimo-v2.5. MiniMax Token Plan Starter at $10/month is in this range too, but geared more toward multimodal than coding.
• $10–20/month (low-cost coding, fixed fee): Tencent Cloud Lite at ¥40/month (~18,000 requests/month), or MiMo Token Plan Standard at $16/month (¥99/month, 11B Credits). MiMo has more quota and newer models but is restricted to coding tools. Kimi Andante at ¥49/month if already in the Kimi ecosystem.
• $20/month (main coding subscription): Claude Pro or ChatGPT Plus. Claude Code users go with Claude Pro. ChatGPT ecosystem (Codex, Deep Research) go with Plus, but Plus has limited Codex quota. Google AI Pro at $19.99/month if you also need Gemini CLI + Jules + Code Assist + 5 TB storage.
• $50–100/month (high-frequency coding): Claude Max 5x at $100/month. For moderate-to-heavy Claude Code users (15+ sessions/day) — API equivalent would be $300+/month, Max 5x saves 2/3. MiMo Token Plan Pro at $50/month (¥329/month, 38B Credits) for heavy MiMo use. ChatGPT Pro $100 for heavy Codex + Deep Research.
• $100–200/month (unlimited production): Claude Max 20x at $200/month. 40+ Claude Code sessions/day without throttling. ChatGPT Pro $200 same tier. MiMo Token Plan Max at $100/month (¥659/month, 82B Credits) is MiMo's top tier.
• API only, no monthly fee: Start with DeepSeek V4 Flash or Xiaomi MiMo V2.5 (same pricing: $0.14/$0.28 per 1M tokens). For stronger reasoning, DeepSeek V4 Pro or MiMo V2.5-Pro ($0.435/$0.87). For Claude/OpenAI-grade quality at good value, Claude Sonnet 4.6 ($3/$15) or GPT-5.4 ($2.5/$15). For the strongest current models regardless of cost, Claude Opus 4.8 ($5/$25) or GPT-5.5 ($5/$30).

Monthly Cost Estimate

Assume one coding session = 3 rounds, each ~50K input + ~5K output (~165K tokens/session). Cache hit discounts not included (actual cost 30–80% lower).

Usage	Claude Sonnet 4.6 API	DeepSeek V4 Flash / MiMo V2.5 API	GPT-5.4 API	Claude Max 5x sub	MiMo Token Plan
Light (5 sessions/day)	~$101/mo	~$4/mo	~$90/mo	$100 (overkill)	Lite ¥39 enough
Moderate (15 sessions/day)	~$304/mo	~$11/mo	~$270/mo	$100 (breaks even)	Standard ¥99 enough
Heavy (40 sessions/day)	~$810/mo	~$30/mo	~$720/mo	$200 (need 20x)	Pro ¥329 enough

Takeaways:

• Using Claude/GPT models for coding agents, moderate+ usage is much cheaper on subscription than API (Max 5x $100 vs API $300+).
• Using DeepSeek/MiMo models, API itself is cheap enough ($11/mo moderate). Token Plan mainly caps monthly spending and ensures tool compatibility.
• Light users pay less on API, unless they need subscription extras (Deep Research, Gemini Docs integration, etc.).

When Not to Pick the Cheapest

• DeepSeek V4 Flash / MiMo V2.5 handle new features and boilerplate fine. For complex debugging, cross-file refactoring, or understanding large codebases, Claude Sonnet/Opus and GPT-5.4/5.5 have noticeably higher first-attempt success rates. Time spent retrying > token savings.
• Cache hit rate determines real cost. Coding agents resend the same repo context; after cache hit, input cost drops 90% (e.g., Sonnet from $3 to $0.30/1M). So "expensive models" may cost only 1/3 of list price in long sessions.
• Token Plan / Coding Plan stops service when quota runs out. Pay-as-you-go API has no cap but the bill might surprise you. Pick based on whether "stopped mid-task" or "spent too much" scares you more.
• MiMo Token Plan is restricted to coding tools (Claude Code / OpenClaw / OpenCode etc.) — it cannot be used as general-purpose API credits. MiniMax Token Plan can be used as general API.

Pricing Reference

Personal Subscriptions

Product	Price	Coding benefits	Key limits
Claude Pro	$20/mo; annual $17/mo	Claude Code, Cowork, Research	No public prompt table; may hit rate limits at moderate+ use
Claude Max 5x	$100/mo	Same as Pro, 5x usage	Example: short conversations ≥225 messages/5h
Claude Max 20x	$200/mo	Same as Pro, 20x usage	Example: short conversations ≥900 messages/5h
ChatGPT Plus	$20/mo	Codex (light), Deep Research	Codex 5h estimate table separate; not a heavy Codex plan
ChatGPT Pro $100	$100/mo	Codex, Deep Research, Pro models	5x Plus; temporary 10x Codex (through 2026-05-31)
ChatGPT Pro $200	$200/mo	Highest usage	20x Plus; don't budget on expired promos
Google AI Plus	$7.99/mo	Gemini app	Pro 3.1: 30/day; Thinking: 90/day; 128K context
Google AI Pro	$19.99/mo	Jules, CLI, Code Assist, Antigravity	Pro 3.1: 100/day; Thinking: 300/day; 1M context
Google AI Ultra	$249.99/mo	Same as Pro, highest limits	Pro 3.1: 500/day; Thinking: 1,500/day; 1M context
Gemini Code Assist Standard	$19–22.80/user/mo	Team IDE assist, CLI, agent mode	Enterprise seat product, not personal subscription

Coding Plan / Token Plan

Product	Price	Quota	Fit
MiMo Token Plan Lite	$6/mo (¥39/mo)	4.1B Credits; off-peak ×0.8	Light coding; cheapest entry
MiMo Token Plan Standard	$16/mo (¥99/mo)	11B Credits; off-peak ×0.8	~15 sessions/day (mimo-v2.5)
MiMo Token Plan Pro	$50/mo (¥329/mo)	38B Credits; off-peak ×0.8	Heavy coding
MiMo Token Plan Max	$100/mo (¥659/mo)	82B Credits; off-peak ×0.8	Extreme or team-shared
MiniMax Starter (global)	$10/mo	1,500 M2.7 requests/5h	Multimodal general, not coding-specific
MiniMax Starter (China)	¥29/mo	600 M2.7 requests/5h	Lowest RMB fixed fee
MiniMax Plus (global/China)	$20/mo; ¥49/mo	4,500 / 1,500 requests/5h	Moderate multimodal
MiniMax Max (global/China)	$50/mo; ¥119/mo	15,000 / 4,500 requests/5h	Heavy multimodal
Kimi Andante	¥49/mo	Unified pool; Kimi Code 1x	Kimi ecosystem users
Kimi Moderato	¥99/mo	Unified pool; Kimi Code 4x	Moderate Kimi use
Kimi Allegretto	¥199/mo	Unified pool; Kimi Code 20x	Includes Kimi Claw benefits
Kimi Allegro	¥699/mo	Unified pool; Kimi Code 60x	Kimi top tier
Tencent Cloud Lite	¥40/mo	~18,000 requests/mo	Cheapest RMB request plan
Tencent Cloud Pro	¥200/mo	~90,000 requests/mo	High volume, clear table
Alibaba Bailian Pro	¥200/mo	90,000 requests/mo	High volume; Lite discontinued
Z.AI GLM Coding Plan	from $18/mo	Lite/Pro/Max: 80–1,600 prompts/5h	GLM-5.1 ecosystem

MiMo Token Plan is coding-tool only. MiniMax Token Plan works as general API. Bailian/Tencent Cloud/Z.AI are restricted to supported tools.

Pay-as-you-go API

Platform	Model	Input / Cached input / Output (per 1M tokens)	Notes
OpenAI	GPT-5.5	$5.00 / $0.50 / $30.00	Batch −50%; under 270K context
OpenAI	GPT-5.4	$2.50 / $0.25 / $15.00	Coding workhorse
OpenAI	GPT-5.4 mini	$0.75 / $0.075 / $4.50	Sub-agents, light tasks
Anthropic	Claude Opus 4.8	$5 / $0.50 / $25	Latest Opus; same pricing as 4.7
Anthropic	Claude Sonnet 4.6	$3 / $0.30 / $15	Coding workhorse
Anthropic	Claude Haiku 4.5	$1 / $0.10 / $5	Low cost
DeepSeek	V4 Flash	$0.14 / $0.0028 / $0.28	1M context; cheapest
DeepSeek	V4 Pro	$0.435 / $0.003625 / $0.87	75% discount made permanent
Xiaomi MiMo	V2.5	$0.14 / $0.0028 / $0.28	Same price as DeepSeek Flash
Xiaomi MiMo	V2.5-Pro	$0.435 / $0.0036 / $0.87	Close to DeepSeek Pro
Kimi	K2.6	$0.95 / $0.16 / $4.00	256K context
Z.AI	GLM-5.1	$1.40 / $0.26 / $4.40	Cache storage free for limited time
Qwen	3.6 Plus	¥2 / — / ¥12 (≤256K)	Long context enters higher tier

MiMo China pricing: V2.5 input ¥1.00 / output ¥2.00; V2.5-Pro input ¥3.00 / output ¥6.00 (per 1M tokens).

Batch discounts: OpenAI/Anthropic −50%, Kimi −40%, Qwen −50%. With cache hits, input cost drops 90%+. Actual spend in long coding sessions is far below list price.

Sources

• Claude: pricing, Pro usage, Max usage
• ChatGPT: Pro tiers, Codex limits
• Google: AI subscriptions, Gemini limits, Code Assist pricing
• OpenAI API: pricing
• Anthropic API: pricing
• DeepSeek: pricing
• Xiaomi MiMo: API pricing, Token Plan
• MiniMax: global, China
• Kimi: membership, API
• Alibaba Bailian: Coding Plan, model pricing
• Tencent Cloud: Coding Plan
• Z.AI: Coding Plan, pricing
• Volcano Ark: Coding Plan