What AI tools cost a startup at real usage: coding agents, app builders and LLM APIs compared on price per seat, per token and per task, with dated prices.
Gemini is no longer a paid add-on. The real decision is the tier: Starter gets Gemini in Gmail and Vids, and Standard at $14 adds Docs, Sheets, Slides, Drive, Meet and Chat.
The platform fee on the pricing page is one of five bills. Count speech-to-text, the LLM, the voice and the phone line, and most agents land at $0.09 to $0.21 a minute.
Cursor's subscription no longer includes Claude or GPT usage. Premium at $30 is still the plan most developers need, and if Claude or GPT is all you want, their own $20 plans cost less.
The same minute of speech costs roughly half as much on the API as in the app. Here is what ElevenLabs charges per minute on each of its three billing systems.
All three AI app builders start near $20 to $25 a month but sell different units. A Lovable change runs roughly $0.13 to $0.30; here is what the other two buy.