Every major AI chatbot now sells several paid tiers, and the names, prices, usage limits and data terms differ so much that plan pages alone make a fair comparison hard. This page sets out the individual and business subscription plans for seven AI assistants, ChatGPT, Claude, Gemini (Google AI plans), Grok, Microsoft 365 with Copilot, Mistral Vibe and Perplexity, using the same fields for each: price, billing, usage level, models, headline features and whether chats are used for model training. It is for individuals choosing a plan, IT and procurement teams buying seats, and anyone checking what a tier actually includes. Products are listed alphabetically; order is never a ranking. Prices are the US list prices shown on each provider's own pages, and where a provider does not publish a fact the table says so.
Last checked: 2026-11-15.
This is an independent reference page from NHI Mgmt Group based on public provider documentation; it is not sponsored or endorsed by any provider. Plans, prices and limits change often and vary by country and tax, so confirm details on each provider's current pricing page before you buy.
Key takeaways
- Individual tiers cluster around three price points. On the pages checked, entry tiers sit near US$5 to US$10 a month (Microsoft 365 Personal), standard tiers near US$15 to US$20 (ChatGPT Plus, Claude Pro, Google AI Pro, Microsoft 365 Premium, Mistral Vibe Pro), and high-usage tiers at US$100 to US$200 (Claude Max and Ultra, Google AI Ultra).
- Usage limits are rarely published as numbers. Anthropic, Google and Mistral AI describe higher tiers as multiples of a lower tier (for example 5x or 20x), Microsoft uses wording such as "Higher than free" and "Extensive", and Perplexity publishes numeric limits only for its Free and Enterprise plans.
- Training use differs between personal and business plans. Anthropic, Mistral AI, OpenAI and Perplexity list training on individual plans as opt-out; Anthropic's Team and Enterprise plans, xAI's Grok Business and Enterprise plans and Perplexity's Enterprise plans state no training by default.
- Business seats add identity and audit controls. SSO, SCIM, audit logs and custom retention appear on business or enterprise tiers, often only on the top business tier, as in Anthropic's split between Team and Enterprise.
- Several prices were not readable. OpenAI's pricing page did not show prices for Go, Pro or Business, xAI's consumer SuperGrok prices were not found on official pages, and Perplexity does not list Pro or Max prices on its help article; these are marked as not stated rather than estimated.
Products covered and how prices were read
The page covers general-purpose AI assistants that sell monthly subscriptions directly to individuals and businesses, as of 15 November 2026. Each provider's own pricing page, help centre or plan comparison page was read on that date. Prices are shown in US dollars as displayed on the US version of each page; several pages show "$" without naming a currency code, and taxes are generally excluded. Regional prices, promotions and student discounts vary, so only list prices and clearly labelled discounts are shown. Meta AI and Chinese assistant apps are not in the tables because no paid consumer subscription page was found on their official sites for this check. For model-level API prices, see the LLM Pricing Tracker.
| Product | Provider | Individual tiers on the page checked | Business tiers on the page checked |
|---|---|---|---|
| ChatGPT | OpenAI | Free, Go, Plus, Pro (three usage levels) | Business, Enterprise, Edu |
| Claude | Anthropic | Free, Pro, Max, Ultra | Team (Standard and Premium seats), Enterprise, Education |
| Gemini (Google AI plans) | Free, Google AI Plus, Google AI Pro, Google AI Ultra (two levels) | Gemini Enterprise Business, Standard and Plus editions | |
| Grok | xAI | SuperGrok consumer plans (prices not found on the pages checked) | Grok Business, Grok Enterprise |
| Microsoft 365 with Copilot | Microsoft | Microsoft 365 Personal, Family, Premium (Basic has no AI features) | Not covered on the consumer comparison page checked |
| Mistral Vibe (Le Chat) | Mistral AI | Free, Pro, Education (Student) | Team, Enterprise |
| Perplexity | Perplexity | Free, Pro, Education Pro, Max | Enterprise Pro, Enterprise Max |
How much do AI chatbot subscriptions cost?
Individual plans, US list prices as of 2026-11-15. "Not stated" means the price was not shown on the provider pages checked (2026-11-15).
| Product | Entry paid tier | Standard tier | High-usage tier(s) | Annual or student options stated |
|---|---|---|---|---|
| ChatGPT | Go: price not stated on the pages checked; OpenAI notes Go may include ads | Plus: US$20 a month, billed monthly | Pro: "From" price with three usage tiers; amount not stated on the pages checked | K-12 plan free for verified US teachers through June 2027 |
| Claude | Not applicable (no tier below Pro) | Pro: US$20 a month monthly, or US$17 a month billed annually (US$200 upfront) | Max: US$100 a month; Ultra: US$200 a month | Annual billing for Pro |
| Gemini (Google AI plans) | Google AI Plus: price not stated on the page checked | Google AI Pro: US$19.99 a month | Google AI Ultra: from US$99.99 a month (higher level price not stated on the page checked) | Not stated on the page checked |
| Grok | Not stated on the pages checked | Not stated on the pages checked | Not stated on the pages checked | Not stated on the pages checked |
| Microsoft 365 with Copilot | Personal: US$9.99 a month or US$99.99 a year | Family: US$12.99 a month or US$129.99 a year (AI features for the account holder only) | Premium: US$19.99 a month or US$199.99 a year | Annual billing; time-limited first-year promotions shown |
| Mistral Vibe (Le Chat) | Not applicable (no tier below Pro) | Pro: US$14.99 a month, excluding tax | Not applicable | Verified students: US$5.99 a month per the FAQ, for up to 12 months |
| Perplexity | Not applicable | Pro: US$17 a month billed annually | Max: US$167 a month billed annually | Education Pro: US$10 a month with verification; Max annual billing on perplexity.ai |
Prices on mobile app stores can differ from web prices, and local taxes are usually added at checkout. Several providers also sell add-on usage or credits on top of a plan: Anthropic offers usage credits on Pro and above, Google offers AI credits to extend Gemini limits, and Microsoft links to a credits page for Copilot usage.
What does each tier include?
Usage, models and headline features as the providers describe them, as of 2026-11-15. Usage multiples are the provider's own wording; none of these providers publishes a single message count for its main paid tier.
| Product and tier | Usage level stated | Models named on the plan page | Headline features named |
|---|---|---|---|
| ChatGPT Plus | "Expanded" messages, uploads, deep research, memory and Codex; everyday text chat "Unlimited" subject to abuse guardrails | GPT-6.1 Sol, GPT-6 Astra, GPT-6 Sol, GPT-6 Luna, GPT-5.6 models and legacy models | ChatGPT Work, Projects, Sites, scheduled tasks, deep research, Codex; reasoning context window 256K |
| ChatGPT Pro | Maximum deep research and memory; longer Codex and ChatGPT Work sessions | All listed models, including GPT-5.6 Sol Pro | Dot always-on agent, ChatGPT Space, monthly API credit; reasoning context window 400K |
| Claude Pro | At least 5x Free usage per 5-hour session | Opus, Sonnet, Haiku; Fable through usage credits only | Claude Code, Research, Claude in Chrome, Claude for Microsoft 365, scheduled tasks |
| Claude Max and Ultra | Max: 5x Pro every 5 hours and every week; Ultra: 10x Pro per week, with no 5-hour limit for verified accounts | Opus, Sonnet, Haiku, Fable (Fable capped at 50% of weekly limits) | US$100 (Max) or US$200 (Ultra) a month in API credits; priority access at busy times |
| Google AI Plus | 2x Free usage limits | Gemini 4 Hydrogen | 400 GB storage, video generation, Gemini in Gmail and Vids, Google Flow access |
| Google AI Pro | 4x Free usage limits | Gemini 4 Argon, expanded limits to Gemini 3.1 Pro | 5 TB storage, Veo 3 photo-to-video in Google Photos (US), expanded Google Flow limits |
| Google AI Ultra | 5x or 20x Pro usage limits, by price level | Higher access to Gemini 4 Carbon and Gemini 4 Argon | 20 TB or 30 TB storage by level, Project Genie, higher Google Flow limits |
| Microsoft 365 Personal and Family | Copilot chat, image creation and Copilot in Excel "Higher than free" | Not named on the page checked | Copilot in Microsoft 365 apps, preferred access to AI models at peak times |
| Microsoft 365 Premium | "Extensive" usage | Not named on the page checked | Adds agentic AI for advanced research and analytics |
| Mistral Vibe Pro | Messages up to 6x Free, web searches up to 5x, image generation up to 40x | Not named on the page checked | CLI and IDE coding, spreadsheets and slides, US$15 a month in API credits, libraries up to 15 GB |
| Perplexity Pro | Monthly or weekly limits by feature, not numbered on the help article | "Advanced AI models" | Extended Pro Search, Research, image and video generation, up to 50 file uploads per project |
| Perplexity Max | Highest individual limits | Fastest access to the newest advanced models | Extended file and app creation, early access to new products |
Two patterns stand out. First, limits on Anthropic and Google plans reset on a rolling five-hour window as well as a weekly cap, so a paid tier can pause use within a day as well as within a week. Second, the top individual tiers increasingly bundle API or developer credits (Anthropic, Mistral AI, OpenAI), which blurs the line between a chat subscription and a developer account. Treat any bundled API credit as a credential-backed resource; see How to Set Spend Limits on LLM API Keys.
Business and team plans compared
Business tiers, US list prices per seat as of 2026-11-15.
| Product | Business tier and price | Seat rules stated | Identity and admin controls stated |
|---|---|---|---|
| ChatGPT | Business: price not stated on the pages checked; Enterprise: contact sales | Business starts at 2 users; Enterprise billed annually; nonprofits up to 75% off | Enterprise privacy described on a separate OpenAI page; data encrypted in transit (TLS 1.2) and at rest (AES-256) |
| Claude | Team Standard: US$25 a seat monthly or US$20 annual; Team Premium: US$125 or US$100; Enterprise: US$20 a seat annual plus usage at API rates | Team 2 to 150 seats; Enterprise 20-seat minimum | Team: SSO, central billing, connector controls; Enterprise adds SCIM, audit logs, role-based access, Compliance API, custom retention, IP allowlisting |
| Gemini | Gemini Enterprise Business: US$21 a seat; Standard and Plus: US$30 a seat | Business up to 300 seats; Standard and Plus unlimited seats | Standard and Plus: VPC Service Controls and customer-managed encryption keys |
| Grok | Grok Business: US$30 a user per month; Enterprise: contact sales | Team and seat management | Business: role-based access, custom data retention, audit and security controls, SOC 2 Type I and II; Enterprise adds SSO, SCIM, customer-managed encryption keys and a dedicated data plane |
| Microsoft 365 with Copilot | Business plans not covered on the consumer page checked | Not stated on the page checked | Not stated on the page checked |
| Mistral Vibe (Le Chat) | Team: US$24.99 a user per month; Enterprise: contact sales | Domain verification on Team | Team: data export, up to 30 GB storage per user; Enterprise: SAML SSO, audit logs, admin API, private deployments |
| Perplexity | Enterprise Pro and Enterprise Max: priced per seat, monthly or annually; amounts not stated on the page checked | Discounts stated for education, nonprofit and government organisations | Enterprise Pro: seat management, Trust Center; Enterprise Max adds SCIM, audit logs, configurable data retention |
For organisations, the identity controls matter as much as the price. Without SSO and SCIM, accounts are created and removed by hand and leavers can keep access to chat history and connected data. The Enterprise AI Licences vs Consumer AI Tools guide explains why consumer plans used for work create shadow AI risk, and the ChatGPT Enterprise Security Guide shows the controls to configure on a business workspace.
Are my chats used to train the model?
Training-use settings as stated on each plan page, as of 2026-11-15. "Opt-out" means content may be used unless the user turns the setting off; check the provider's privacy policy for the current default and retention period.
| Product | Individual plans | Business and enterprise plans |
|---|---|---|
| ChatGPT | Free, Go, Plus, Pro: "Opt-out available" | Described on OpenAI's separate enterprise privacy page; not stated on the pricing page |
| Claude | Free, Pro, Max, Ultra: opt-out | Team and Enterprise: no model training by default |
| Gemini (Google AI plans) | Not stated on the plan page checked | Not stated on the plan page checked |
| Grok | Not stated on the pages checked | Grok Business and Enterprise: "No training" |
| Microsoft 365 with Copilot | Not stated on the page checked | Not covered on the page checked |
| Mistral Vibe (Le Chat) | Pro: opt-out; Free: not stated in the comparison table | Team and Enterprise: opt-out |
| Perplexity | Pro and Max: opt-out of AI training available | Enterprise Pro and Max: data never used for training |
Retention is a separate question from training. Business tiers from Anthropic, Perplexity and xAI list custom or configurable retention; individual plans generally do not. For a fuller treatment see AI Data Retention and Deletion, and for staff guidance on what not to paste into any chatbot, the Safe Use of AI Chatbots Guide.
How to choose an AI chatbot plan: factual criteria
These are criteria, not recommendations. Match them to how you or your team actually use AI.
| Criterion | Question to answer | Where to look |
|---|---|---|
| Usage pattern | Do you hit limits in bursts (five-hour windows) or across the week? | Tier usage multiples and reset rules on the plan page |
| Models needed | Does the tier include the specific model you rely on, or only a smaller one? | Models column above; plan page |
| Bundled extras | Do you value storage, office-app integration, video generation or API credits? | Feature column above |
| Work data | Will you paste work or client data? If so, does the plan train on it by default? | Training table above; provider privacy policy |
| Identity controls | Do you need SSO, SCIM, audit logs or retention controls? | Business plans table above |
| Seat minimums and billing | How many seats, monthly or annual, and is there a minimum? | Business plans table above |
| Total cost | What is the cost after tax, add-on credits and annual discounts, per user per year? | Provider checkout page |
The US$100 to US$200 tiers are priced and described by their providers for higher usage, including coding and research workloads; compare your actual usage with the stated multiples before moving up. A small business with a handful of users can often start on a team plan with SSO; a larger organisation subject to audit or data protection obligations will need the enterprise tier that adds SCIM, audit logs and retention controls, and should check contract terms rather than plan pages alone.
Practitioner checklist
- Confirm the current price on the provider's own checkout page in your country, including tax and any app store difference.
- Check which models each tier actually includes and how usage limits reset before upgrading.
- Turn off training use on any individual plan used for work, or move work use to a business tier that excludes training by default.
- For team purchases, require SSO and plan for SCIM so joiners and leavers are handled automatically.
- Record which staff hold which AI subscriptions in your SaaS or AI inventory, including personal plans expensed for work.
- Set spend limits on any bundled API credits and store the related API keys in a secrets manager.
- Review plan pages every quarter, since tiers, limits and prices change often.
Standards and references
- Anthropic: Claude plans and pricing (accessed 2026-11-15)
- Google: Google AI plans for Gemini (accessed 2026-11-15)
- Microsoft: Compare Microsoft 365 plans (accessed 2026-11-15)
- Mistral AI: Pricing (accessed 2026-11-15)
- OpenAI: ChatGPT pricing (accessed 2026-11-15)
- OpenAI Help Center: What is ChatGPT Plus? (accessed 2026-11-15)
- Perplexity Help Center: Which Perplexity subscription plan is right for you? (accessed 2026-11-15)
- xAI: Grok for Business (accessed 2026-11-15)
Related NHI Mgmt Group resources: Enterprise AI Licences vs Consumer AI Tools, Safe Use of AI Chatbots Guide, AI Data Retention and Deletion and LLM Pricing Tracker.