This is where full-power assistants live. Google and Microsoft price their main plans a cent under the line; ChatGPT, Claude and Perplexity sit right on it.
Google AI Pro ($19.99/mo) is the best plan under this budget: full Gemini 3.1 Pro, Deep Research, a 1M-token context and 5 TB of storage. Microsoft 365 Premium ($19.99/mo) wins if you need Office, and Mistral Vibe Pro ($14.99/mo) is the lower-priced pick with agentic coding built in.
| App | Free tier | Paid from | Top plan | Best for |
|---|---|---|---|---|
| Gemini | Yes | $4.99/mo | $99.99–199.99/mo | Google ecosystem users, video generation, very long documents (1M tokens) |
| Copilot | Yes | $19.99/mo | $99.99/mo | Excel data, Word drafting, PowerPoint decks, Outlook triage |
| Mistral Vibe | Yes | $14.99/mo | $24.99/mo | Users who want a privacy-conscious European alternative to ChatGPT/Claude with all-day agentic coding built in |
| Poe | Yes | $4.99/mo | $249.99/mo | Power users who want to compare GPT, Claude, Gemini and niche bots without juggling separate subscriptions |
| Otter.ai | Yes | $16.99/mo | $30/mo | Teams already living in Zoom, Teams, or Google Meet who want automatic notes and searchable transcripts |
| Canva | Yes | $18/mo | $25/mo | Non-designers who need on-brand social posts, presentations, and marketing assets fast |
Monthly prices in US dollars before tax, from each vendor's official pricing (US list price; weekly-billed plans converted to a monthly figure). Updated October 7, 2026
AI Pro is the only pick here with full Deep Research and a 1M-token context, and the 5 TB of storage and YouTube Premium Lite make it a bundle rather than just a chatbot.
Pick it if: you want a frontier assistant without crossing the 20-dollar line.
Full Gemini pricing →This one is Office first: the full Word, Excel, PowerPoint and Outlook apps, with advanced Copilot chat on top and agentic AI usage capped on this tier. Annual billing brings the monthly cost down.
Pick it if: you'd pay for Office anyway and want AI inside it.
Full Copilot pricing →Pro at $14.99/mo expands message and web search limits and adds all-day agentic coding in the CLI, IDE or web.
Pick it if: you want a capable assistant with coding and a few dollars left over.
Full Mistral Vibe pricing →Premium's 660,000 points a month cover far more frontier-model use than Starter, plus priority access during peak hours.
Pick it if: you want GPT, Claude and Gemini models under one bill.
Full Poe pricing →Pro gives 1,200 recording minutes a month, meetings up to 90 minutes and Salesforce, HubSpot and Zapier integrations — priced per user.
Pick it if: you live in Zoom, Teams or Meet and want searchable transcripts.
Full Otter.ai pricing →Pro gives 10x the free AI credits, the full Magic Studio suite, background remover and Magic Resize. Credits still run out fast on heavy use.
Pick it if: you make social posts, flyers or slides without a designer.
Full Canva pricing →ChatGPT Plus ($20/mo), Claude Pro ($20/mo) and Perplexity Pro ($20/mo) all cost a cent more than Google AI Pro. If one of them suits you better, the difference is irrelevant — and Claude Pro and Perplexity Pro both drop below the line when billed annually.
On extras, yes: AI Pro ($19.99/mo) includes 5 TB of storage, YouTube Premium Lite, Veo video and a 1M-token context. ChatGPT Plus ($20/mo) offers unlimited text chats and is the more versatile assistant.
Copilot Pro is no longer sold to new subscribers; Microsoft now points individuals to Microsoft 365 Premium at $19.99/mo, which includes the Office apps as well as Copilot.
How we choose: prices come from each vendor's official pricing page and are re-checked every week. We take no affiliate fees, so rankings aren't for sale.