2026 Live
LLM Plan Comparison
One-stop comparison and smart selection across overseas and domestic LLM & Coding plans.
💡 Plan Wizard 2.0•SaaS vs BYOK API ROI Calculator
Team & Individual AI Coding Procurement Calculator
Cursor Pro seats vs Direct BYOK API. Slide to simulate real monthly spend, savings ratio, and executive ROI.
5 Devs
4h / user / day
★ Best ROI Pick
Pure BYOK Pay-As-You-Go API
Save ~40% 💸 $110~$185/ team / mo
$22~$37 / user/mo$1,770 / yr
Tools Stack:Cline (Free Open Source) / Aider CLI / Roo Code
Models Combination:Gemini 3.7 Flash ($0.15/1M) + Claude Sonnet 5 ($2.00/1M)
Concurrency:⭐⭐⭐⭐⭐ Unlimited Concurrency
Throttling Risk:🟢 Very Low (Dedicated TPM)
✓Pay purely for what you consume, just $22~$37/user/mo (Save up to 40%)
✓Direct official API traffic with zero peak-hour throttling or slow-request queues
✓$0 waste during vacations and weekends
!Requires centralized API Key management
!Must configure monthly budget caps in provider consoles
Hybrid Gold Standard (SaaS + API)
Peak Productivity 👑 $130~$155/ team / mo
$26~$31 / user/mo$1,710 / yr
Tools Stack:Cursor Pro ($20/user) + Claude Code CLI
Models Combination:Built-in model for daily FIM + Sonnet 5 / o4-mini for deep refactoring
Concurrency:⭐⭐⭐⭐☆ Very High
Throttling Risk:🟡 Low-Medium (Auto-fallback to API)
✓Delivers silky-smooth Cursor Tab FIM completion & Composer harness
✓Seamlessly overflows to API keys during complex migrations with zero downtime
✓Ideal for agile enterprise squads prioritizing velocity
!Slightly higher monthly spend than pure API (~$26~$31/user/mo)
!Dual invoice management (SaaS seats + API credits)
Pure SaaS Subscription
Out of the Box 📦 $100/ team / mo
$20~$20 / user/mo$1,200 / yr
Tools Stack:Cursor Pro ($20) / GitHub Copilot ($19) / Claude Pro ($20)
Models Combination:Hosted SaaS pool (Subject to 500 Fast Requests cap)
Concurrency:⭐⭐⭐☆☆ Capped by Platform
Throttling Risk:🔴 High (Slow queue penalty after 500 reqs)
✓Zero API configuration or token budgeting required
✓Fixed predictable monthly subscription cost
!Fixed $20-$40/mo per seat causes idle waste for light coders or holidays
!Heavy usage rapidly exhausts 500 fast requests quota, falling into slow queue
!Lacks instant zero-day access to newly released open-source weights
Quick Presets: