Coding-agent subscriptions compared: plans, limits and billing across 32 providers

A coding plan is a 2026 product category with no single comparison behind it: one provider sells requests per five hours, the next sells credits per month, the third sells seats, and the billing periods hide quarterly and yearly discounts. This page puts the subscription plans of the tracked providers that sell subscriptions into two tables, every row generated from the catalogue behind it, every row stamped with the date we verified it and linked to the provider plan page. 3 tracked providers (Chutes, CrofAI, DeepSeek) sell metered usage only, with no subscription to compare, so they have no rows here.

A credit is not a free tier, and neither is a plan

Three different things share one checkout page. A credit is metered usage money: it buys tokens or requests and runs out. A free tier is recurring access without paying: it renews and it rations. A plan is a subscription: it bills every month and it promises a quota. This article covers plans only: what each subscription costs, what quota it promises, and how the billing period changes the price. One-time signup bonuses and free-credit grants belong to the free-credits article, which keeps them; nothing here duplicates that page.

Paid plans, cheapest first

Cells are the monthly prices the providers list, with billing-period variants as separate rows so a yearly discount never hides inside a monthly cell. Limits are the catalogue wording for what each plan promises. A dash is an unpublished price, not a zero price: four providers show their paid tiers only after login, so those cells say nothing instead of repeating an old figure.

Free, custom and login-gated entry points

Pay-as-you-go tiers are metered usage, not subscriptions, so they have no rows in either table even where the provider sells nothing else. What remains below are free plans, custom-priced tiers and paid tiers whose prices publish only after login.

How to read a row

On-demand in this article means the walk-up subscription rate with no commitment beyond the month; annual and quarterly rows name their own effective monthly price. Per-seat rows bill every user separately, one-off rows bill once, and credit quotas renew on the schedule the row names. Limits move without warning on credit-metered plans, so treat any credit figure as the provider stated it on the verification date and check the live plan page before committing a team.

How we checked, and what would change our answer

On 2026-10-27 we re-visited all thirty-five provider plan surfaces: static pricing tables and docs directly, JavaScript pages through a rendered reader, and login-gated platforms far enough to confirm the tiers still sell. Rows whose prices render only after login or in client-side scripts (Z.AI, Kimi, Google AI) carry their 2026-10-26 reads; everything else on this page is stamped 2026-10-27. Plan pages move fast in this category: xAI replaced its whole lineup with Plus, Premium, Super, Ultra and Teams; Meta added a Maximum Usage tier; Synthetic added Go and Big; OpenCode added Go Plus; AI Router replaced self-serve Starter and Pro with pilot, Growth, Scale and Enterprise. A drift test fails the site build when the catalogue moves, so this page is regenerated instead of rotting: a repriced plan, a renamed tier or a newly published login-gated price breaks the build until the row is rewritten.