Plan Overage & Tier-Break · pay or upgrade?

Pay the overage, or upgrade a tier?

Pick your current plan and the next tier up. See the real bill (plan + overage), your blended cost per unit, and the exact usage where upgrading beats paying overage. Every preset value is editable.

Pricing verified: 2026-07-08 35 plans w/ overageGitHub · Claude · Cursor · Copilot
What this calculator does

Every hybrid AI plan bundles some usage, then meters the rest — or hard-walls you. See your real monthly bill, your blended cost per unit, and the exact usage where upgrading a tier beats paying overage.

Why use it
  • Models all three shapes in one place: seat + included + per-unit, credit/$ bucket, and the tier-cliff decision
  • 35 real plans preloaded (GitHub, Claude, Cursor, Copilot Studio) — every value editable
  • A "charge" plan is still a hard wall unless overage is enabled — mirrors real budget controls
  • Break-even output tells you the exact usage level to switch tiers

Two ways to use this: visualize in the Playground, then get your number in the Calculator.

▶Playground A quick, visual way to see which factors move your monthly bill the most. Open the playground → ▤Calculator Enter your real workload for a precise monthly bill you can apply to your own usage. Go to the calculator →
Plan Overage Playground
Drag the sliders to compare the options.
Pay the overage, or upgrade a tier?

Drag your monthly usage — the two columns are your real bill on each plan, and the cheaper one is crowned.

Cheaper option
—
Change the input sliders below to compare.

Stay
—
/ month
Upgrade
—
/ month

💡Preview compares GitHub Copilot Pro ($10, 1,500 credits) vs Business ($19, 1,900 credits) at $0.01/credit overage. Open the full calculator to pick any two plans and edit every number.

Try the full calculator below for your exact numbers ↓

Pick your current plan and the next tier up. See the real bill (plan + overage), your blended cost per unit, and the exact usage where upgrading beats paying overage. Every preset value is editable.

Plan Overage Calculator

Enter your exact numbers for a precise result.
🎮 Interactive Guide & Calculator Playground →
🎛 Inputs
Current plan
Hint: Your current plan.
Hint: Seats on your current plan.
Next tier up
Hint: The plan you are considering moving to.
Hint: Your typical monthly usage. We flag if you'd blow past the included amount.

Results

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This plan’s monthly bill
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Blended cost / unit
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Break-even to upgrade
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Stay on current
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Upgrade to next tier
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How this bill is built
    Stay vs Upgrade as usage grows

    Go deeper

    Our playbooks on cutting this number.

    🪙
    Credit Decoder
    What a credit is worth
    ⚠️
    Overage Forecaster
    When will you breach?
    ⚔️
    Tier Showdown
    Which $100/$200 tier wins

    Need help using this calculator for your workloads?

    AICost.ai has 50+ calculators and playbooks. Schedule an AvatarVA meeting and we'll work through your real cost scenarios across AI & Cloud: visibility, cost reduction, optimization, forecasting and capacity planning, without sacrificing accuracy or performance.

    📅 Schedule an AvatarVA meeting →
    📖 Data sources & methodology 226 text models · 9 embeddings · 37 vision · 55 audio · 8 vector DBs across 10 vendor pages · last verified 2026-07-08

    Methodology

    • All prices are USD per 1 million tokens, current as of 2026-07-08.
    • 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
    2026-07-08
    https://www.anthropic.com/pricing
    Daily snapshot since Sep 2023 · 611 days captured
    Anthropic Docs
    2026-07-08
    https://platform.claude.com/docs/en/about-claude/pricing
    Daily snapshot since Sep 2023 · 611 days captured
    OpenAI
    2026-07-08
    https://openai.com/api/pricing/
    Daily snapshot since Sep 2023 · 612 days captured
    Google AI
    2026-07-08
    https://ai.google.dev/gemini-api/docs/pricing
    Daily snapshot since Dec 2023 · 587 days captured
    Google Vertex
    2026-07-08
    https://cloud.google.com/vertex-ai/generative-ai/pricing
    Daily snapshot since Dec 2023 · 587 days captured
    DeepSeek
    2026-07-08
    https://api-docs.deepseek.com/quick_start/pricing
    Daily snapshot since May 2024 · 526 days captured
    xAI
    2026-07-08
    https://x.ai/api
    Daily snapshot since Nov 2024 · 444 days captured
    Mistral
    2026-07-08
    https://mistral.ai/pricing
    Daily snapshot since Dec 2023 · 585 days captured
    Cohere
    2026-07-08
    https://cohere.com/pricing
    Daily snapshot since Sep 2023 · 611 days captured
    Voyage AI
    2026-07-08
    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 →