- Under ~30 messages a week? Don't pay. Light use rarely hits free-tier limits.
- Buy only the one you keep hitting limits on, monthly not yearly. Limits change often; annual gives up your leverage.
- Don't buy a chat plan for coding. Code burns agent tokens; a flat Coding Plan or metered API is usually cheaper.
- Light users rotate free tiers. DeepSeek, Yuanbao and ERNIE are fully free today — rotate when you hit a wall.
About the data:Every price carries a source, verification date and confidence (official / multi-source / unverified). Unverified items are labelled as such. Some vendors' pricing pages block scraping, so prices are cross-referenced from third parties. Spot something stale? Check the source and let us know.