The count is the number of exclusive features you use, not the number of models
People stack AI subscriptions for two different reasons and only one of them holds up. The first is models: ChatGPT for breadth, Claude for prose, Gemini for long documents. The second is features: Claude Code, ChatGPT's agent mode, Perplexity's cited search, Google's 5 TB. A model reason is solved by any product that carries several model families. A feature reason is solved only by the vendor that built the feature.
So the rule is short. Count the exclusive features you used in the last seven days, meaning things only one vendor sells. That number, usually zero or one, is the number of single vendor subscriptions you need. Everything else is a model preference, and model preferences don't need separate bills.
Here is what one bill buys across model families, using Whizi's Pro plan, 2,500 credits a month for $29.99 or $19.99 billed yearly, as the worked example because its per message prices are published:
The chart is also the honest limit of the one bill argument. 125 messages a month on the flagship GPT is a light month for a heavy ChatGPT Plus user, who gets far more of that one model for $20. A multi model plan wins on breadth per dollar and loses on depth in one family.
Task by task: which jobs need a second subscription
The table is the artifact to keep. Each row is a task, the column that matters is the last one, and "no" means any product carrying that model family covers it.
| Task | What does it well | Needs a second subscription? |
|---|---|---|
| Drafting and editing prose | Claude Sonnet or Opus | No: the model does the work, and several products carry it |
| Everyday questions, planning, summaries | Any current model; GPT-5.6 Luna is 1 credit on Whizi | No |
| Reading long contracts and reports | Gemini for context, Claude for nuance | No, unless you need whole book context above 40,000 tokens per turn |
| Sourced research with citations | Perplexity Pro, or a search grounded row such as Sonar Pro | Sometimes: Perplexity's interface is exclusive, its model is not |
| Terminal coding agent that edits your repo | Claude Code (Pro or Max), Codex (ChatGPT) | Yes: nobody else sells these |
| Operating a desktop or browser for you | ChatGPT agent mode, GPT-6 Astra on Pro | Yes, and Astra is on ChatGPT Pro only, at $100 or $200 |
| Image generation | ChatGPT Plus, Google AI Pro, or a credit priced image row | Sometimes: allowances differ more than quality |
| Cloud storage and Gmail or Docs integration | Google AI Pro at $19.99 with 5 TB | Yes, if the storage is the point |
| Comparing two models on the same prompt | A multi model workspace | No, and this task is the one single vendor plans cannot do at all |
Read your own week against it. A writer with no coding agent and no storage need has zero yes rows: one subscription. A developer living in Claude Code has one yes row: Claude Pro or Max, plus whatever covers the rest. A researcher who needs Perplexity's citations in the interface has a "sometimes" that becomes yes only if the alternative search rows don't satisfy them.
The last row is the quiet one. If you ever paste the same prompt into two products to compare the answers, no number of single vendor plans fixes that, because the comparison is the feature.
What the $60 stack actually buys, and where the overlap is
The common stack is ChatGPT Plus at $20, Claude Pro at $20 and Google AI Pro at $19.99, which is $59.99 a month or about $720 a year. AI subscription costs has the worksheet; here is the overlap.
All three answer everyday questions, draft text, summarise documents, write and explain code, and search the web. On those tasks the difference between the three is a preference, real but small, and a preference is not worth $40 a month. What each one holds exclusively is narrower than the marketing suggests: ChatGPT has agent mode, Codex and the largest set of integrations; Claude has Claude Code, Projects and Artifacts; Google has the storage bundle and the Workspace integration. If you use none of those weekly, the stack is three prices for one capability.
The signal that you're overpaying is behavioural rather than financial. Two histories that both hold half of a project. A habit of asking one product, then the other, to check. A plan you opened twice last month. Do you need both ChatGPT Plus and Claude Pro runs the two plan version of this test; this page is the general one.
Where one subscription is the wrong answer
Three profiles genuinely need two bills, and pretending otherwise is how this kind of article turns into an advertisement.
The developer in Claude Code all day. Claude Code is included with Claude Pro at limited usage and scales with Max at $100 or $200. Nothing else reproduces it, and a multi model plan with no terminal agent isn't a substitute. Claude Pro vs Claude Max is the read on which Anthropic tier.
The heavy single family user. Someone sending 40 flagship GPT messages a day is better served by ChatGPT Plus's allowance than by 125 Sol answers a month from a credit plan. Depth in one family is what the single vendor plan is for.
The person whose "AI subscription" is really storage. Google AI Pro at $19.99 with 5 TB is a storage plan with Gemini attached, and if the storage is the reason, nothing that lacks storage replaces it. How to downgrade Google AI Pro covers the cheaper Google rungs.
For everyone else the answer is one plan, and the only remaining question is whether that one plan carries one model family or several.
A three step audit you can finish before lunch
- List every AI charge on your statement, with the price. The savings calculator totals it and shows the annual figure, which is the one that stings.
- For each plan, write the one feature you used last week that only it sells. If the line is blank, that plan is a model preference.
- Keep every plan with a non blank line. Replace all the blank line plans with one subscription that carries the model families you actually prefer.
For step three, one subscription for all AI models explains the category honestly, including what it cannot do. Whizi is one of them: Starter is $15.99 a month for ChatGPT Luna, Claude Haiku and Whizi AI. Pro at $29.99 adds Claude Opus and Sonnet, GPT Sol, Gemini, Grok, Kimi and DeepSeek, with per message credit prices published on every model. It doesn't carry the feature rows in the table above, which is exactly why they're in the table.
The rule in one line: pay once for models, and pay a second time only for a feature nobody else sells.
- List every AI charge on the statement with its monthly and annual price
- Write the one exclusive feature each plan gave you last week, or leave the line blank
- Keep the plans with a feature; consolidate the blank ones into a single subscription
- Check the flagship allowance on the one plan against your real daily volume
- Cancel the extras at least 24 hours before their renewal dates
Frequently asked questions
How many AI subscriptions does the average person need?
One. Writing, everyday questions, summaries, coding help and research are covered by any current model, and a single plan that carries several model families covers the preference for different models on different tasks. A second subscription is justified only by an exclusive feature such as Claude Code, ChatGPT agent mode, Perplexity's cited search interface or Google's storage bundle.
Is it worth having both ChatGPT Plus and Claude Pro?
Only if you use Claude Code or ChatGPT's agent tools weekly, since those are the features each one holds exclusively. If the reason is that Claude writes better and ChatGPT does more, that's a model preference, and one plan carrying both families covers it for less than $40 a month.
Which AI subscription should I keep if I can only keep one?
The one whose exclusive feature you used last week. A developer keeps Claude Pro for Claude Code. Someone whose plan is really 5 TB of storage keeps Google AI Pro. Someone with no exclusive feature in use keeps whichever plan carries the most model families, because the model preference will change with the next release.
How much do three AI subscriptions cost a year?
ChatGPT Plus, Claude Pro and Google AI Pro together are $59.99 a month, about $720 a year, as of September 2026. On most everyday prompts the three overlap, so the stack pays three times for one capability plus three narrow exclusives.
Does one multi model subscription replace ChatGPT Plus?
For the models, largely: Whizi Pro carries GPT-5.6 Sol at 20 credits a message from a 2,500 credit allowance, which is 125 flagship answers a month if you used nothing else. For the features, no: ChatGPT agent mode, Codex and custom GPTs stay with OpenAI, and a heavy single family user gets more of one model from Plus.
