How Much Does It Cost to Use All AI Models in 2026?
Paying for ChatGPT, Claude, Gemini, Grok and Perplexity separately costs $140+/month in 2026. Here's the full breakdown, and how to get all of them in one app for $20.99.
Paying for every major AI tool separately (ChatGPT Plus, Claude Pro, Google Gemini, Grok, Perplexity Pro and a dedicated image generator) costs roughly $140 or more per month in 2026. A single multi-model app gives you the same models from $20.99/month. Below is the full breakdown of what each tool costs on its own, and where bundling actually saves money.
Full disclosure: Multi Chats is our app, so we have a stake in this answer. We've kept every competitor price below at its public list rate (as of May 2026) so you can check the math yourself.
The short answer
Used individually, the major AI subscriptions add up to about $140/month, and past $160 once you add premium image generation or a higher tier like ChatGPT Pro. One app that bundles them, such as Multi Chats, covers the same models for $20.99/month (or $34.99 for Pro+), which is roughly 85% less than stacking subscriptions.
What each AI tool costs on its own (2026)
These are the headline consumer plans most people buy. Prices are approximate public list rates in USD and exclude tax; higher tiers (e.g. ChatGPT Pro at $200/month) cost considerably more.
AI tool | Plan | Monthly price | What you get |
|---|---|---|---|
ChatGPT | Plus | $20 | GPT-5, image generation, limited usage |
Claude | Pro | $20 | Claude Opus & Sonnet, opaque rate limits |
Google Gemini | AI Pro | $20 | Gemini 3.1 Pro, tied to a Google account |
Perplexity | Pro | $20 | Web search-first answers |
Grok | X Premium+ | $16 | Grok, bundled with X |
Mistral | Le Chat Pro | $15 | Le Chat, European models |
Six chat tools | about $111/mo | ||
Image generation | e.g. Midjourney Standard | $30 | Dedicated, higher-quality images |
Typical total | about $141/mo |
That is about $1,690 per year, and it climbs fast if you pay for annual-but-billed-monthly plans, ChatGPT Pro ($200/mo), or extra seats.
One subscription instead of six
A multi-model app puts all of these behind one bill. Multi Chats includes 50+ models (GPT-5, Claude Opus 4.6, Gemini 3.1, Grok, Mistral and more) plus real-time web search, image generation, memory and voice. You can switch models mid-conversation without losing context, so you use the best model for each task instead of paying six companies for the privilege.
Plan | Price | Highlights |
|---|---|---|
Free | $0 | 5 AI models, limited daily messages, 2 image generations/month |
Pro | $20.99/mo $199.99/yr | Any model, web search, memory & folders, image generation, file uploads, voice (mobile) |
Pro+ | $34.99/mo $349.99/yr | Everything in Pro, plus multi-image generation, video uploads, fastest responses and early access |
How much you actually save
Stacking the tools above runs about $141/month. One Multi Chats Pro plan is $20.99/month, a saving of roughly $120 every month, or about $1,440 a year. On the annual plan ($199.99) the gap is even wider versus the roughly $1,690/year you'd otherwise spend.
Stacked subscriptions: about $141/mo (about $1,690/yr)
Multi Chats Pro: $20.99/mo ($199.99/yr)
Estimated saving: about $120/mo (about $1,440/yr)
What about image generation, voice and web search?
These are usually the hidden extras that push separate subscriptions higher. With Multi Chats they're part of the plan rather than add-ons:
Image generation: included on Pro (and multi-image on Pro+), instead of a separate $20 to $30/mo tool.
Web search: real-time, multi-source search built in, covering the use case people buy Perplexity Pro for.
Voice mode: voice messages and voice calls on mobile, with no extra charge.
Is it worth paying for all of them separately?
Honestly, sometimes. If you only lean on one model (say you live in ChatGPT and rarely touch anything else), a single $20 subscription may be all you need. Bundling wins the moment you regularly use two or more models, want image generation and search included, or are tired of managing several bills and rate limits. If you're mainly leaving one tool, our ChatGPT alternative guide walks through the trade-offs.
Frequently asked questions
How much does it cost to use all the AI models?
Subscribing to ChatGPT, Claude, Gemini, Perplexity, Grok and Mistral separately costs about $111/month, or roughly $141/month once you add dedicated image generation. A bundled app like Multi Chats covers the same models from $20.99/month.
Is it cheaper to buy one AI app or several?
One multi-model app is far cheaper if you use more than a single model. Six separate plans run about $141/month (about $1,690/year); one Multi Chats Pro plan is $20.99/month ($199.99/year), saving around $1,440 a year.
What's the real cost of accessing every major LLM?
Realistically $140 to $160/month if you pay each provider directly, more if you choose premium tiers like ChatGPT Pro ($200/month). The cost-effective route is a single subscription that aggregates the models, from $20.99/month with Multi Chats.
Does one subscription really include GPT-5 and Claude?
Yes. Multi Chats includes GPT-5 and Claude Opus 4.6 alongside Gemini 3.1, Grok, Mistral and 50+ other models, and you can switch between them inside a single conversation.
Is there a free way to try multiple AI models?
Yes. The free plan includes 5 AI models, limited daily messages and 2 image generations per month, with no credit card required. You can compare the plans here.
The bottom line
Using every major AI model separately costs around $140 to $160 a month in 2026. If you genuinely use more than one, a single multi-model subscription is the cheapest way to get all of them, and it removes six bills, six rate limits and six logins in the process. See the all-in-one price.