Calculator · By Adam Johnstone · Updated 2026-09-13
Every comparison page in this category tells you to add up what you spend and then leaves you to do it. This does the arithmetic — and, unlike a plain sum, it checks each bundle’s published usage cap against the volume you actually send, because a cheaper plan that runs out in week two has not saved you anything.
Calculator
Nothing is sent anywhere — this runs entirely in your browser.
Reading the result
A bundle is only marked as covering you if its published cap clears your stated daily volume. Where a vendor publishes an approximate figure — MultipleChat’s “about 120 messages per day” — the result says so rather than treating it as a guarantee.
Sider publishes neither current prices nor per-plan credit allowances, so it returns no number at all. Monica’s prices are third-party because Monica publishes none. A calculator that invented figures for these would be worse than one that admits the gap.
It is a one-time licence plus your own API spend, so its monthly figure is an estimate from your volume and model tier, amortising $99 over twelve months. The per-message rates come from a published 2026 usage review, not from measurement.
No tool in this category publishes a context window, and several publish credit costs only for retired models. Long documents burn allowance far faster than short chats, and no calculator anywhere can model that until vendors disclose it.
FAQ
Take what you currently pay across native plans, then subtract the bundle price — but only count the bundle if its usage cap covers your actual volume and it includes the model class you were paying for. A $20 bundle replacing $60 of native plans saves $40 a month only if you never hit its ceiling. This calculator checks the cap against your stated volume rather than assuming it holds.
Roughly one native subscription. At around $15–$20 a month, most bundles cost the same as a single $20 plan, so they start saving money at your second subscription. Below that, you are paying the same money for a narrower product. TypingMind is the exception, because a one-time licence plus pay-per-token beats a subscription whenever your usage is light.
Because they determine whether the cheaper option actually does the job. Monica Pro at a reported $9.90 includes 200 advanced queries a month, which is about seven a day — less than a quarter of what a daily user sends. Price comparison without cap comparison is how people end up paying twice.
It depends entirely on volume, which is why it is modelled separately here. The licence is a one-time $39 to $99 and then you pay OpenAI or Anthropic directly per token. One independent 2026 review put light use at about $1 a month, regular use at $12, and heavy premium-model use at $110. The estimate in this calculator is derived from those figures.
Sider publishes neither its current plan prices nor its per-plan credit allowance, so no honest cost estimate is possible — it is shown as unquantifiable rather than given a guessed number. Merlin publishes a price but its query costs cover only retired models. Monica publishes no price at all in page text; the figures used here are third-party.