POINTCAST / AI

AI / Value / Checked 2026-10-05

What is your AI subscription actually worth?

The 5× chart asks a useful question. A transparent calculator helps answer it for your own workload.

Count your own workload.

Illustrative workload · Rates checked October 5, 2026 · Quota coverage unknown until supplied

Numbers stay in memory in this browser. This calculator makes no account connection, model request or purchase. Nothing is saved automatically.

Keep the comparison fair

Scenario A

Token workload and editable rates

Each billed event belongs in one token bucket. Include retries and billable reasoning. A cache read is different from newly generated output.

Edit any rate to switch to Custom / unverified. Dated presets do not establish subscription eligibility or quota.

Human time, extra charges, independent API outcomes and budget

Scenario estimate

API-equivalent workload estimate
Not enough data
Subscription cash total
Not enough data
Entered human-time cost
Not enough data
Fully loaded subscription path
Not enough data
Subscription cost per accepted result
Not enough data
Independent API cost per accepted result
Not enough data
Modeled API-equivalence multiple
Not enough data
Modeled price difference
Not enough data
Modeled break-even attempts
Not enough data

Zero extras or taxes means excluded, not verified free. API paths can have different accepted results, human time and setup costs; this does not silently reuse subscription results to rate an API path.

Token price breakdown and assumptions
  • input:
  • cache read:
  • cache write:
  • output:

API estimate = tasks × attempts per task × token-category cost per attempt + entered API extras. Fully loaded subscription path = subscription cash + entered human-time value + monthly setup cost. Rates use full precision; displayed dollars are rounded.

No universal winner: define the task, establish coverage and compare accepted results. Both scenarios keep independent inputs and model-specific token counts.

Advanced: explore a sourced theoretical ceiling

A sensitivity exercise only. No chart figures are seeded. It does not establish achievable scheduling, credits or a cash balance.

Enter a source and explicit assumptions.

Measure the work behind the multiple.

The headline is about a meter. Your decision is about work.

A circulating chart says Anthropic subscriptions deliver more than five times OpenAI’s value. The claim is worth examining, but its unit matters: API-equivalent dollars estimate what an assumed token workload would cost at public API prices. They do not measure cash refunded, provider compute expense, hours saved or finished work. A generous allowance can be valuable; an allowance you cannot use is still unused capacity.

For a small studio, an IndustryNext project or a UES workflow, the useful question is narrower: which setup gets the required result accepted, on time, at the lowest total cost? PointCast’s calculator makes that question testable without asking for account access or private billing files.

What the original research establishes

SemiAnalysis published the original analysis on October 5, 2026. Its public methodology measures token categories against subscription-meter movements, discards incomplete steps and seeks rate ranges within ±5%. It then applies its own September agentic workload mix. It treats cache reads as free when 500 million reads produce no meter movement. That is a disclosed measurement assumption, not a promise from either provider.

The supplied chart reports $2,084 versus $11,726 of API-equivalent use on the $200 tiers. That is about 5.63×. PointCast has not replicated the experiment or accessed the paid dashboard and raw logs. The screenshot’s tiny workload percentages are not reliable enough to import as calculator defaults.

SemiAnalysis: Anthropic Subscriptions Offer 5x+ More Value Than OpenAI ↗

The price tag changes the apparent value

Official standard, short-context rates put GPT-6.1 Sol at $2 per million ordinary input tokens, $0.10 cached input and $10 output. Claude Opus 5.5 lists $4, $0.20 and $20, respectively. Corresponding short-lived cache writes are $2.50 and $5. Identical quantities in those four billing categories therefore receive twice the API valuation under the Opus rate card.

That arithmetic does not prove either model is twice as capable or that both consume identical tokens to solve a task. It shows why API-equivalent value combines quantity with a vendor’s list price. A price cut can shrink that headline metric while making an API customer’s actual bill smaller. Tokenization, reasoning settings and tool behavior make matched-task testing more informative than matched token counts.

OpenAI API pricing ↗ Claude API pricing ↗

A subscription is not a fixed monthly token bag

The current OpenAI page lists Plus at $20 and Pro at $100, $200 and $500 per month. It explicitly separates API pricing from included subscription usage. Work and Codex share usage; Pro currently has no five-hour cap, while weekly limits may apply. Anthropic lists Pro at $20 monthly and Max web subscriptions at $100 or $200, with five-hour and weekly limits.

Those windows matter. Someone who can work only on Friday cannot automatically collect every reset that occurred earlier in the week. Model-specific restrictions and shared usage across surfaces also affect what remains available. Check the account’s actual dashboard and renewal terms; a three-bar comparison cannot represent every current plan or account.

ChatGPT Work and Codex pricing ↗ Claude pricing ↗ What is the Max plan? ↗ How do usage and length limits work? ↗

Caching rewards a particular kind of work

An agent repeatedly reading a stable repository or document can generate a huge cache-read count. That is different from repeatedly generating new long answers. A cache hit reuses eligible context; it is not a fresh output token. Writes, cache lifetimes and cache misses also have prices. A calculator that prices every input token as uncached will exaggerate API cost for a cache-heavy job.

Use mutually exclusive counts for ordinary input, cache reads, cache writes and output. Include billed reasoning where applicable, tool charges and paid execution resources. Select the correct context length and processing tier. The published presets are reference snapshots; a discounted batch rate, premium speed mode or negotiated rate requires a different calculation.

OpenAI API pricing ↗ Claude API pricing ↗ OpenAI prompt caching ↗

Measure accepted results

Pick a repeatable task and define acceptance before running it: a comparison whose sources check out, a design meeting its brief, or code that passes specified tests. Count every attempt, abandoned run and correction. Record accepted tasks, elapsed time, hands-on review minutes and spending. Keep the task scope and acceptance standard stable across candidates.

A hypothetical $100 setup with $20 in extras and five review hours at $75 per hour costs $495. A $20 setup needing eight review hours costs $620. If each produces 40 accepted results, their effective costs are $12.38 and $15.50 per result. These invented numbers demonstrate the method; they are not evidence of either provider’s quality.

A small test beats a universal winner

Choose three ordinary jobs and one demanding job that you genuinely need done. Give both candidates the same source material, deadline and acceptance checklist. Let each use its normal tools, but record any missing feature or manual workaround. Review outputs without looking at the bill first, then compare the complete costs.

Keep the experiment modest. Repeatedly exhausting a plan to prove its theoretical ceiling may consume more time than the decision is worth. A routine public-information recap and a high-consequence client deliverable can justify different choices. Record why a result was rejected, whether the problem was recoverable, and how long the correction took. Those observations make the next comparison better.

Tools, speed and reliability belong in the comparison

A model name does not describe the whole product. Verify whether the plan includes the browser, connectors, file creation, coding environment and automation surface your workflow needs. A subscription login and an API key can expose different features and billing paths. Do not assume access in one interface guarantees access in another.

Measure time to a usable result, interruptions and failed runs on your own tasks. Separate passive waiting from paid human attention so you do not count every background minute as labor. Do not turn a single session or a public benchmark into a reliability guarantee. Quality gates and missing required features should override a tempting price multiple.

ChatGPT Work and Codex pricing ↗ Claude pricing ↗

Keep the spending boundary visible

Separate the base subscription from optional credits, API fallback, tools and taxes. Anthropic documents separately billed usage credits with spending controls. OpenAI distinguishes alerts from enforced API limits and warns that enforcement is not instantaneous. A budget notification is not proof that further charges are impossible.

PointCast should show the projected total and the reader’s chosen budget, but should never imply that its slider changes a provider’s settings. The calculator purchases nothing, enables no auto-reload and requests no credentials. If actual overage rates or plan coverage are unknown, it should say so instead of manufacturing a precise savings figure.

Manage usage credits for paid Claude plans ↗ OpenAI API spend limits ↗

For client work, check the agreement

Consumer subscriptions, business workspaces and API services are different purchasing choices. Compare data-training settings, retention, access controls, approved integrations and the agreement governing the work. OpenAI’s API and business documentation and Anthropic’s commercial privacy documentation describe protections that should not be casually generalized to every consumer account.

For confidential client material, follow the client’s approved tools and data-handling rules. Avoid testing with sensitive files merely to benchmark a plan. Public or synthetic tasks can establish an initial baseline. A cheaper allowance is not a substitute for authorization, contractual fit or competent review.

Data controls in the OpenAI platform ↗ ChatGPT Work cloud security ↗ Anthropic commercial data and model training ↗

The practical takeaway

Treat a large API-equivalent multiple as evidence about a particular allowance and workload, then test whether that workload resembles yours. Track a representative week, including the work that failed. Compare cash cost, accepted output and human time. Recheck the rate cards when models or plans change.

The best value is the capacity you can turn into reliable work. PointCast’s calculator should make assumptions visible, keep the arithmetic reproducible and leave room for an honest answer: there is not enough information yet to pick a winner.

What the reported 5× chart can establish

User-supplied screenshot of an X post by @synthwavedd embedding a SemiAnalysis-branded chart. These are reported API-equivalent ceilings, not cash benefits. Exact bar values were transcribed from the supplied screenshot and have not been independently reproduced. The original public research was read by the source researcher; this implementation could not reopen it. No paid dashboard or raw logs were accessed.

Read the original SemiAnalysis methodology ↗

Reported screenshot values / not calculator defaults
Monthly plan priceReported OpenAI equivalentReported Anthropic equivalentArithmetic ratio
$200$2,084$11,7265.63×
$100$1,055$5,7255.43×
$20$211$1,1785.58×

The tiny workload percentages were not verified and are not imported. API list prices affect the multiple independently of task quality; nothing here establishes a universal winner or an available credit balance.

Check the arithmetic with four examples.

Hypothetical volumes and coverage; verified rate cards

A light, cache-heavy month

At these invented volumes, the token-only API estimates are below the $20 cash amount. This is not a purchase recommendation; tooling, time, taxes and capacity remain assumptions. No assertion that identical text consumes these same tokens. Cache writes are set to zero only to isolate the illustration; real estimates must include writes incurred over the measured period, and cache eligibility is not guaranteed.

Exact inputs and expected results
{
  "inputs": {
    "tasks_started": 100,
    "attempts_per_task": 1,
    "input_tokens": 20000,
    "cache_read_tokens": 180000,
    "cache_write_tokens": 0,
    "output_tokens": 4000,
    "api_extra_cost": 0,
    "subscription_base": 20,
    "subscription_extra_cost": 0,
    "tax_and_fees": 0,
    "accepted_tasks": 80,
    "quota_coverage": "assume_all_included"
  },
  "expected": {
    "openai_api_per_attempt": 0.098,
    "openai_api_month": 9.8,
    "anthropic_opus_api_per_attempt": 0.196,
    "anthropic_opus_api_month": 19.6,
    "subscription_cash_per_accepted": 0.25,
    "openai_equivalence_multiple": 0.49,
    "anthropic_equivalence_multiple": 0.98
  }
}

Hypothetical sensitivity; verified rates

Lose the cache hits

The same nominal input volume costs about 4.49× E1 when all input is fresh. Changing cache behavior can dominate the comparison.

Exact inputs and expected results
{
  "inputs": {
    "tasks_started": 100,
    "attempts_per_task": 1,
    "input_tokens": 200000,
    "cache_read_tokens": 0,
    "cache_write_tokens": 0,
    "output_tokens": 4000
  },
  "expected": {
    "openai_api_month": 44,
    "anthropic_opus_api_month": 88
  }
}

Entirely hypothetical, not provider-specific

Human review changes the winner

The higher cash-spend scenario has the lower full cost when it demonstrably saves three review hours. Do not invent those hours for a real comparison.

Exact inputs and expected results
{
  "inputs": {
    "accepted_tasks": 40,
    "hourly_value": 75,
    "scenario_a": {
      "subscription_cash": 120,
      "hands_on_hours": 5
    },
    "scenario_b": {
      "subscription_cash": 20,
      "hands_on_hours": 8
    }
  },
  "expected": {
    "scenario_a_full_cost": 495,
    "scenario_a_per_accepted": 12.375,
    "scenario_b_full_cost": 620,
    "scenario_b_per_accepted": 15.5
  }
}

Entirely hypothetical ceiling, not the source chart

Ceiling is not realized value

A headline 10× ceiling becomes 1× at 10% assumed utilization. This scales a fixed mix only and does not prove the schedule is achievable.

Exact inputs and expected results
{
  "inputs": {
    "entered_ceiling_usd": 2000,
    "entered_utilization_fraction": 0.1,
    "subscription_cash": 200
  },
  "expected": {
    "utilized_equivalent": 200,
    "equivalence_multiple": 1
  }
}

A dated price tag is not a token quota.

Snapshot checked October 5, 2026. API rates cannot establish included subscription tasks. Recheck current billing, limits, shared usage, features, taxes and account-specific renewal terms before a purchasing decision.

Published plan price snapshot / USD
ProviderPlanPublished amountBilling basisSource
OpenAIPlus$20/monthmonthlyOfficial plan information ↗
OpenAIPro$100/monthmonthlyOfficial plan information ↗
OpenAIPro$200/monthmonthlyOfficial plan information ↗
OpenAIPro$500/monthmonthlyOfficial plan information ↗
AnthropicPro$20/monthmonthly webOfficial plan information ↗
AnthropicPro annual$200 up front; $16.67 monthly equivalentannual paid up front; displayed $17 is roundedOfficial plan information ↗
AnthropicMax 5x$100/monthmonthly webOfficial plan information ↗
AnthropicMax 20x$200/monthmonthly webOfficial plan information ↗

Trace a price or policy.

  1. SemiAnalysis: Anthropic Subscriptions Offer 5x+ More Value Than OpenAI ↗SemiAnalysis · checked 2026-10-05 · original third-party analysis

    Provider-meter experiments; September workload; partial-step exclusion; ±5% rate range; zero-meter-change assumption after 500M cache-read tokens.

    Reported estimates are not independently replicated measurements. Exact workload percentages in the supplied image were not verified.

  2. OpenAI API pricing ↗OpenAI · checked 2026-10-05 · official

    GPT-6.1 Sol standard short-context input/cache-read/cache-write/output rates: $2/$0.10/$2.50/$10 per million tokens. Different processing and context tiers exist.

  3. Claude API pricing ↗Anthropic · checked 2026-10-05 · official

    Opus 5.5 standard input/cache-read/5-minute-write/1-hour-write/output rates: $4/$0.20/$5/$8/$20 per million tokens. Sonnet 5.5: $2/$0.20/$2.50/$4/$10. Tool and processing charges can differ.

  4. ChatGPT Work and Codex pricing ↗OpenAI · checked 2026-10-05 · official

    Plus $20/month; Pro $100/$200/$500. Work and Codex share usage; current Pro has no five-hour limit; weekly limits may apply. API rates do not establish included tasks. Credit billing differs from API billing.

  5. Claude pricing ↗Anthropic · checked 2026-10-05 · official

    Pro $20 monthly or $200 billed annually; Max begins at $100. Feature access, consumer/commercial distinctions, Fable restrictions, and prices exclude applicable taxes.

  6. What is the Max plan? ↗Anthropic · checked 2026-10-05 · official

    Web Max 5x $100/month, Max 20x $200/month; five-hour and weekly limits; further limits possible; mobile price can differ.

  7. How do usage and length limits work? ↗Anthropic · checked 2026-10-05 · official

    Model, effort, conversation complexity and tools affect usage; Claude surfaces share allowance. Context-window length is distinct from usage capacity.

  8. OpenAI prompt caching ↗OpenAI · checked 2026-10-05 · official

    GPT-5.6-and-later cache writes and reads have separate treatment; GPT-6.1 Sol read multiplier is 0.05 of base input. Cache matching and breakpoints matter.

  9. Manage usage credits for paid Claude plans ↗Anthropic · checked 2026-10-05 · official

    Optional extra usage is separate from the subscription; standard API pricing applies; monthly spending caps, alerts and auto-reload are distinct controls.

  10. OpenAI API spend limits ↗OpenAI · checked 2026-10-05 · official

    Alerts do not stop usage; hard limits can stop affected requests; enforcement latency permits a small overrun.

  11. Data controls in the OpenAI platform ↗OpenAI · checked 2026-10-05 · official

    API data is not used for model training by default; retention and application state require separate review.

  12. ChatGPT Work cloud security ↗OpenAI · checked 2026-10-05 · official

    Business, Enterprise and Edu protections, permissions, retention and audit controls differ by configuration; business data not used for training by default.

  13. Anthropic commercial data and model training ↗Anthropic · checked 2026-10-05 · official

    Commercial products distinguished from consumer plans; chats and coding sessions excluded from training unless opted in, including explicit feedback and programs.

  14. Claude Agent SDK with your Claude plan ↗Anthropic · checked 2026-10-05 · official

    June 15 change paused; current top notice says SDK, claude -p and third-party usage still draw from subscription limits; announced monthly credit unavailable.

    Historical body below the pause notice must not be treated as current policy.