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AI Family Plan - ChatGPT Team, Claude Team, and Family Bundles

🚀 Open the calculator

Meet Jamal Brooks. Parent of teenagers + small business owner. "Wife, two teens, me - all want AI access. Individual subscriptions = $80/mo. Family plan = ?"

🔥 Teens hitting free tier caps. Need a family solution that's cheaper than $80.

The story

'Family plan' for AI doesn't really exist yet - but Team plans work. ChatGPT Team: $25/seat/mo (min 2). Claude Team: $25/seat/mo (min 5). Gemini Advanced: individual only, $20/mo. There are no proper consumer family plans like Netflix has. Workarounds exist.

Jamal's family of 4: 4× ChatGPT Plus = $80/mo. ChatGPT Team for 4 seats = $100/mo (more!). 4× Claude Pro = $80/mo. Realistic best: 1 ChatGPT Plus + 1 Claude Pro shared (login from multiple devices) = $40/mo. Account sharing technically violates ToS but is widely tolerated for households.

Three family approaches. (1) Free-tier-only - sign each family member up for free Claude/ChatGPT/Gemini. Covers most family needs. $0/mo. (2) Shared single subscription - one Plus account shared across devices. $20/mo. Risky on ToS. (3) Mixed - paid for primary user (parent's work), free tiers for kids' homework. $20-40/mo.

🎮 Playground

AI Family Plan Playground

Here are the inputs that move the result the most. Play with the sliders and check it out. The number updates live.

What’s the right family AI plan?

Recommends a family plan from member count and total weekly hours.

Recommended plan
—

💡Cost scales with how many members and the household’s total usage.

Three real scenarios

Same calculator, three team sizes. Click a tab to see how the numbers shift.

$0.00 / month ≈ $0.00 / year

Family of 3, light use. Each signs up for free ChatGPT + Claude + Gemini. Three free accounts × three tools = lots of free capacity. $0/mo.

Healthy range: Free tiers cover 100%

See inputs used
familyMembers
3
totalWeeklyHours
12
monthlyBudgetUsd
0

Use cases

Same calculator, different applications. Sizes above, workloads here. Pick the one that looks like yours.

Pre-loaded scenarios for the most common applications. Click a tab to see realistic numbers, then hit "Try this scenario" to load it into the calculator above.

$20.00 / month ≈ $240.00 / year

Parent uses ChatGPT free for occasional work. Kid uses Claude free for homework. Optional: 1 Plus subscription shared. $0-20/mo.

Healthy range: Free tier covers + 1 shared paid

See inputs used
familyMembers
2
totalWeeklyHours
10
monthlyBudgetUsd
20

Ready to run the numbers?

Open the full calculator. Pick a model, enter your tokens, see per-call, daily, monthly, and annual cost.

🚀 Open the full calculator →

Family-friendly AI subscription tiers

Verified 11 hours ago
  1. 1
    GPT-5 Mini
    $0.250 in · $2.00 out ·
  2. 2
    gpt-5.1-codex-mini
    $0.250 in · $2.00 out ·
  3. 3
    Command
    $1.00 in · $2.00 out ·

About this calculator: AI Family Plan - ChatGPT Team, Claude Team, and Family Bundles

Sharing AI subscriptions across family or small team? ChatGPT Team, Claude Team, Gemini family options. Real per-user math + when family plan beats individual.

🎛 Inputs you control

Each input shapes the cost. Click an input on the calculator to set it. The explanations below match the live calculator field by field.

▸ People in household: How many people will share the plan.
How to choose: Count everyone who would use it — partner, kids, and so on. Shared family plans often beat separate ChatGPT, Claude, or Gemini subscriptions.
▸ Household usage: How heavily your household uses AI day to day.
How to choose: Light is occasional questions; heavy is daily work, coding, or content. Heavier use can justify a paid shared plan.

Reading your result

Free tiers cover ~80% of family AI needs. Sign each family member up for ChatGPT + Claude + Gemini free. Multi-account rotation = effectively unlimited.

Single shared subscription works for 2-3 family members. One ChatGPT Plus or Claude Pro shared across devices. ToS officially says 'individual use' - practically tolerated.

Team plans aren't designed for families but can work. ChatGPT Team min 2 seats × $25 = $50/mo. Claude Team min 5 × $25 = $125/mo. Pricier than individual but with admin features that help track usage.

The honest answer: free tiers + 1-2 paid subscriptions is the family sweet spot. $20-40/mo, covers most use, no ToS gymnastics.

What "good" looks like:
  • Family of 2-3 light users: Free tiers + 1 paid = $20/mo
  • Family of 4-5 mixed use: Free + 2 paid = $40/mo
  • Family of 4+ with heavy users (work + school): 1 per heavy user = $40-80/mo
  • Small business / 5+ adults: Team plan justified - $125+/mo

What this calculator can't tell you

Honest limitations. Every model is wrong; some are useful. Where this one falls short:

For these, use: Pick the right individual subscription. Try free first.

Trade-offs

Cost isn't the only dimension. Click any constraint to see how recommendations change.

What matters most to you? Click any dimension — recommendations update.

Best fit for "cost":

  1. Free tiers per family member $0, covers most homework + casual
  2. Shared single subscription $20/mo, ToS gray area
  3. Team plan $50-125/mo, business-grade only

There's no good consumer family plan from any AI vendor as of mid-2026. Free tiers + 1-2 paid is the realistic sweet spot.

Most popular

Everything above is the 80% case. The last 20% is where the money is.

The gaps we just listed are real, and they are the expensive ones: your actual prompts, your switching cost, your MLOps overhead. An AICost expert spends the hour on your AI and cloud costs, not a generic playbook. You leave with a written report: the way forward, in 30 days of concrete steps.

  • An hour with the people who built the engines
  • Report the same day
  • The fee credits toward any AICost plan
  • Two slots a week
Book a Solution Session: $299 → or $99 for small business →

Not sure yet? The $39 AICost Blueprint credits toward a Session, and the Session fee credits toward any plan. You never pay twice for the same ground. See all pricing →

Ready to run your own numbers?

You have seen the shape of it. Open the calculator with your model, your tokens, your volume.

🚀 Open the full calculator →

Where to go next

Pick individual subscription →

If family doesn't pencil out.

 Free tier coverage →

Often enough for families.

 Annual savings →

Lock in tools the family commits to.

Methodology

Source
/ai-cost-economics
Extraction
Vendor Team plan pricing monitored monthly.
Editorial gate
8-layer defense, see aicost.ai/ai-cost-economics
Last verified
7/27/2026, 8:00:00 PM

Author: Subu Vdaygiri, Founder & CEO of CloudIntelligence.ai. 17 years Fortune 100 (Ingram Micro, Siemens). Wharton CTO program · Kellogg CPO program · 10× AWS+Azure certified.

3 years of pricing history

Why this matters: pricing for major vendors has dropped 40-90% in the last 24 months. A budget set 12 months ago is probably wrong by 30%+.

View 3-year history for →
📖 Data sources & methodology 163 text models · 9 embeddings · 37 vision · 55 audio · 8 vector DBs across 10 vendor pages · last verified 2026-07-28

Methodology

  • All prices are USD per 1 million tokens, current as of 2026-07-28.
  • Vendor-published values have no mark. Inferred/extrapolated values are marked with * and listed below.
  • Batch API discounts are 50% off standard rates across providers that offer Batch mode.
  • Prompt caching discounts vary by provider (typically 80-90% off cached input tokens).
  • Regional data-residency surcharges (Anthropic 1.1x, OpenAI 1.1x, Google regional tiers) are NOT included in base rates.
  • Long-context pricing tiers apply when input exceeds model threshold.
  • Embedding prices are input-only (no output tokens generated).

Primary sources

Last-verified date is the most recent successful daily snapshot (aicost_pricing_snapshots) or, when no snapshot exists yet, the latest successful crawler run (aicost_crawler_runs). 10 of 10 vendors are currently verified. Aggregator services (TokenCost, AI Pricing Guru, etc.) are not listed.

Anthropic
2026-07-28
https://www.anthropic.com/pricing
Daily snapshot since Sep 2023 · 631 days captured
Anthropic Docs
2026-07-28
https://platform.claude.com/docs/en/about-claude/pricing
Daily snapshot since Sep 2023 · 631 days captured
OpenAI
2026-07-28
https://openai.com/api/pricing/
Daily snapshot since Sep 2023 · 632 days captured
Google AI
2026-07-28
https://ai.google.dev/gemini-api/docs/pricing
Daily snapshot since Dec 2023 · 607 days captured
Google Vertex
2026-07-28
https://cloud.google.com/vertex-ai/generative-ai/pricing
Daily snapshot since Dec 2023 · 607 days captured
DeepSeek
2026-07-28
https://api-docs.deepseek.com/quick_start/pricing
Daily snapshot since May 2024 · 546 days captured
xAI
2026-07-28
https://x.ai/api
Daily snapshot since Nov 2024 · 464 days captured
Mistral
2026-07-28
https://mistral.ai/pricing
Daily snapshot since Dec 2023 · 605 days captured
Cohere
2026-07-28
https://cohere.com/pricing
Daily snapshot since Sep 2023 · 631 days captured
Voyage AI
2026-07-28
https://docs.voyageai.com/docs/pricing

Inferred values (marked with * in calculator tables)

Derived from industry conventions, not directly published by the vendor. Typical conventions: cached input = 10% of base (90% off), Batch API = 50% of base (50% off).

Vendor / Model Field Why it’s inferred
Anthropic — Claude Sonnet 4.6 cachedInput Derived at 10% of input rate — Anthropic publishes 90% cache-hit discount on this tier.
Anthropic — Claude Sonnet 4.5 cachedInput Derived at 10% of input rate; same 90% cache-hit convention as Sonnet 4.6.
Anthropic — Claude Sonnet 4.5 batchInput Derived at 50% of standard input — Anthropic documents uniform 50% Batch discount.
Anthropic — Claude Sonnet 4.5 batchOutput Derived at 50% of standard output — Anthropic documents uniform 50% Batch discount.
Anthropic — Claude Haiku 4.5 cachedInput Derived at 10% of input rate — Anthropic 90% cache-hit discount convention.
OpenAI — GPT-5.4 Mini cachedInput Derived at 10% of input — OpenAI documents automatic 90% discount on cache hits across GPT-5.x tier.
OpenAI — GPT-5.4 Nano cachedInput Derived at 10% of input — OpenAI 90% cache-hit convention.
OpenAI — GPT-5.4 Nano batchInput Derived at 50% of input — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Nano batchOutput Derived at 50% of output — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Pro cachedInput Derived at 10% of input — OpenAI 90% cache-hit convention.
OpenAI — GPT-5.4 Pro batchInput Derived at 50% of input — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Pro batchOutput Derived at 50% of output — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.2 cachedInput Derived at 10% of input; no residency uplift.
OpenAI — GPT-5.2 batchInput Derived at 50% of input.
OpenAI — GPT-5.2 batchOutput Derived at 50% of output.
OpenAI — GPT-5 cachedInput Derived at 10% of input.
OpenAI — GPT-5 batchInput Derived at 50% of input.
OpenAI — GPT-5 batchOutput Derived at 50% of output.
OpenAI — GPT-5.5 Pro cachedInput Derived at 10% of input — OpenAI does not publish a cached rate for *-pro models; using the family convention.
OpenAI — GPT-5.5 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5.5 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5.2 Pro cachedInput Derived at 10% of input — pro-tier convention.
OpenAI — GPT-5.2 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5.2 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5.1 batchInput Derived at 50% of input.
OpenAI — GPT-5.1 batchOutput Derived at 50% of output.
OpenAI — GPT-5 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5 Nano cachedInput Derived at 10% of input.
OpenAI — GPT-5 Nano batchInput Derived at 50% of input.
OpenAI — GPT-5 Nano batchOutput Derived at 50% of output.
Google — Gemini 3 Flash cachedInput Derived at 10% of input — Google caching discount convention ~90%.
Google — Gemini 3.1 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 3.1 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 3.1 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.5 Pro cachedInput Derived at 10% of input.
Google — Gemini 2.5 Flash cachedInput Derived at 10% of input.
Google — Gemini 2.5 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 2.5 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.5 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash cachedInput Derived at 25% of input per Google 2.0 family caching rates.
Google — Gemini 2.0 Flash batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 2.0 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
xAI — Grok 4 (legacy) cachedInput Extrapolated at 25% of base.

Pricing is cross-verified against the LiteLLM community registry when available. Daily snapshots are kept in aicost_pricing_snapshots; every change is logged to aicost_price_changelog with old & new values for full audit trail. Read the full methodology →