ChatGPT vs Claude Cost Calculator (2026)
Enter your team size and billing preference. See the real monthly and annual cost side by side across every ChatGPT and Claude plan, plus API usage math. Prices verified July 2026.
Your workload
Recommended picks
Full pricing side-by-side
| Plan | Vendor | Monthly rate | Annual rate | Min seats | Your monthly cost | Your annual cost | Notes |
|---|
API cost estimator (per 1M tokens)
| Model | Provider | Input $/1M | Output $/1M | Your monthly cost |
|---|
Want to project full annual spend?
Combine subscription and API costs with productivity gains in the AI ROI Calculator. Paste your prompt into the AI Token Counter to size input/output tokens for your real workload.
Frequently asked questions
- Is ChatGPT or Claude cheaper for a solo user?
- Both Pro tiers cost $20/month. ChatGPT Plus is $20 monthly-only. Claude Pro is $20 monthly or $17/month with annual billing — a 15% discount if you commit for a year. For solo use, Claude Pro on annual is $36/year cheaper.
- Which is cheaper for a 3-person team?
- ChatGPT Business wins at any size below 5. Its minimum is 2 seats — 3 people at $20/seat annual = $60/month. Claude Team has a 5-seat minimum, so a 3-person team still pays for 5 seats: $100/month annual. ChatGPT saves $40/month or $480/year.
- Which is cheaper for a 10-person team?
- ChatGPT Business at 10 × $20 = $200/month annual. Claude Team Standard at 10 × $20 = $200/month annual. Identical. The tiebreaker becomes which tool your team already uses and whether developers need Claude Code (adds Premium seats at $100 each).
- Does Claude Code justify the higher team price?
- Team Premium is $100/seat annual — five times more than Standard. If your developers would otherwise pay for Cursor ($20), Copilot ($10-19), or Claude Max ($100), Premium is roughly the same $100 but with team billing and shared admin. Only pay Premium for devs actually coding daily.
- How much does the API cost compared to subscriptions?
- A moderate user hitting 2M input + 500K output tokens per month on Claude Sonnet 4.6 pays roughly 2 × $3 + 0.5 × $15 = $13.50/month — under the $20 Pro fee. A heavy user hitting 20M input + 5M output pays $135, which beats Max 5× ($100) only if you would exceed its rate limits. API is cheaper for light use but has no UI.
- When does ChatGPT Enterprise make sense over Business?
- Enterprise is sales-negotiated at ~$60/seat with a 150-seat minimum, ~$108,000/year floor. Skip it unless you need SAML SCIM, data residency in specific regions, HIPAA BAA, EKM, or the Compliance API. For 50 seats or fewer, Business at $20/seat annual is the right answer.
- Do team plans exclude training on my data?
- Yes — both ChatGPT Business and Claude Team exclude your workspace data from model training by contract, not opt-in. Free, Go, Plus, Pro (Claude), Max (Claude), and ChatGPT Pro plans do not have this default guarantee.
- Can I mix ChatGPT and Claude on one team?
- Yes. Many teams run ChatGPT Business for writing and general work ($20/seat) and give developers individual Claude Max ($100/month) or Team Premium seats ($100/seat) for coding. The combined cost is often cheaper than paying Enterprise for either one alone.