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Best AI Coding Plans (2026)

By @pickwiseresearched with AIUpdated

The best AI coding plans give your coding agent a month of strong models for a flat fee, often a tenth of Claude Max. These picks rest on hands-on reviews by KDnuggets, Bitdoze, Tony Reviews Things and Hacker News developers.

What we track: Models · Usage limits · Works in
Models:
Which models the plan includes; open models like GLM, Kimi and DeepSeek cost far less to serve than Claude or GPT.
Usage limits:
How the plan caps you: requests, credits or a dollar allowance per 5 hours, week or month. This is where plans differ most.
Works in:
Which coding agents the plan officially works with.

These numbers inform the order but don’t set it: an editor ranks the picks, weighing them against what people who use them say, since stars and downloads also reflect hype and marketing.

Price
  1. Tony Reviews Things scored it 4.5 out of 5 after two weeks of daily use with no downtime, and Dragos of Bitdoze is still on it months later for one key that covers about 30 models. The catch is that each model has its own dollar allowance: GLM-5.3 and Kimi K3 get $15 a month on Go, DeepSeek V4.1 Flash $80. Hacker News users also report slow hours. Pricing: Go Plus $40/mo.

    Plans
    Go $10/mo; Go Plus $40/mo with higher limits
  2. Abid Ali Awan of KDnuggets called himself a big fan of what is now the M Plan for the usage it gives, and in a Pi agent test by Lotus Creation Concepts MiniMax was the fastest of three coding plans. Speed is the trade: one Reddit user found it cheap but not smart enough to solve problems alone. The old $10 Starter tier is gone. Pricing: Explore $55, Build $132.

    Plans
    Go $22, Explore $55, Build $132 a month; yearly $220, $550, $1,320
  3. A Hacker News user on the plan since launch calls it good enough for most coding, and Lotus Creation Concepts got the best UI from GLM in a three-plan test. Kronis, testing Pro against his Claude Max 5x workload in July, hit the limits often and would have needed Max. The quota works only in the tools Z.ai lists, and there are no refunds. Pricing: Pro $80, Max $168; 30% off yearly.

    Plans
    Lite $18, Pro $80, Max $168 a month; 30% off yearly
  4. Abid Ali Awan of KDnuggets used it for a full month and ended up using it more than GLM, MiniMax, Codex and Gemini, for its speed and lean reasoning; AICodeKing tested the $6 tier on video. Both used the V2.5 models Xiaomi retired on October 21, and early OpenCode users of V2.6 Flash report timeouts on tool-heavy work. The 4.1 billion on the Lite plan are credits, not tokens. Pricing: Standard $16, Pro $50, Max $100.

    Plans
    Lite $6, Standard $16, Pro $50, Max $100 a month; 12% off yearly
  5. Hacker News developers pick it for open models with zero data retention; one runs 95% of their open-weight work through it, and Katz built a pull-request reviewer on it, citing over 150 tokens a second on DeepSeek V4.1 Flash. Pro is $60 of usage a month at token prices, so Kimi K3, at $15 per million output tokens, uses it up quickly. Pricing: $200/yr; Max $100/mo.

    Plans
    Pro $20/mo or $200/yr; Max $100/mo; Free has starter credits
  6. Abid Ali Awan of KDnuggets recommends it to developers who prefer Kimi's models, and a Hacker News user keeps it next to Claude and Codex for a second opinion in code review. Kimi K3 is hungry, though: one Reddit user on the $19 plan hit the monthly cap in a single day of work, and that pool is shared with Kimi's chat and agent features. Pricing: Pro $39; $15/mo billed yearly.

    Plans
    Plus $19, Pro $39 a month; $180 and $372 billed yearly
  7. Abid Ali Awan of KDnuggets uses the Codex VS Code extension daily and calls it the first stop for anyone already paying for ChatGPT, but warns heavy work can finish the limits within an hour. Since OpenAI opened Sign in with ChatGPT, the same allowance also runs OpenCode, Pi and Kilo Code. A Hacker News user finds GPT-6.1 Sol's five-hour window the tight spot. Pricing: Go $8 (desktop app only); Pro from $100.

    Plans
    Go $8 (desktop app), Plus $20, Pro $100, $200 or $500 a month
  8. Dragos of Bitdoze still calls it the cheapest way he knows to get a frontier-model agent, completions and a CLI under one bill, and GitHub officially supports signing in to OpenCode with it. Since June, chat and agent work spends $15 of AI credits a month, and Reddit users report burning through them in a day or two. Completions stay unlimited. Pricing: Pro+ $39, Max $100.

    Plans
    Pro $10, Pro+ $39, Max $100 a month
  9. The plan the others are measured against, since it is the cheapest way into Claude Code with Opus. Marvin Aziz of Lindy hit Pro's limit at 10:40 a.m. halfway through a 30-file refactor and upgraded to Max 5x before lunch. Only Claude Code draws on the main allowance; OpenCode, Pi and other agents get a separate monthly credit billed at API rates. Pricing: $17/mo billed yearly; Max from $100.

    Plans
    Pro $20 ($17/mo yearly), Max 5x $100, Max 20x $200 a month
  10. Synthetic hosts the open models itself and publishes its rate limits; Hacker News users praise its hosting quality, and one calls it good and cheap with Pi. The cheapest plan is tight, though. One commenter found the base plan allowed a single request at a time, which broke Claude Code subagents, and in May a Reddit user hit a five-hour limit in 40 minutes on GLM 5.1. Pricing: Standard $30, Big $90.

    Plans
    Go $9, Standard $30, Big $90 a month
  11. Alibaba's credit plan sits beside its $50 Coding Plan, which a Hacker News user found always sold out. An OpenCode user called it generous while Qwen3.8-Max was in preview, and night discounts on Qwen and DeepSeek fall in American daytime. Credits per call aren't published, though: a Reddit user spent a $30 plan in about two hours on qwen3.7-max in May. Pricing: $6 for a limited time. Essential $10, Standard $18, Pro $68.

    Plans
    Lite $6, Essential $10, Standard $18, Pro $68 a month (limited-time)

How to choose

For the most models for the least money, start with OpenCode Go at $10 a month. For one strong open model all day, the GLM Coding Plan or MiniMax's M Plan. For open models with zero data retention, Ollama Cloud. If you already pay for ChatGPT, Codex is included, and the same plan now signs in to OpenCode, Pi and Kilo Code. To reach Claude and GPT models from OpenCode for $10, GitHub Copilot Pro. The cheapest coding plans are Xiaomi MiMo at $6, Alibaba's Qwen Token Plan at $8 and Synthetic at $9. The open-model plans here also run inside Claude Code through an Anthropic-compatible endpoint.

GLM vs Kimi vs MiniMax coding plan: in an April head-to-head in the Pi agent by Lotus Creation Concepts, GLM gave the best result and MiniMax ran fastest, and Reddit users say Kimi K3 burns its quota quickest.

What the makers' pages won't tell you. Most of these plans changed in 2026. Z.ai moved the GLM plan to credits, and the quota works only in the tools it lists. MiniMax replaced its Token Plan with M Plan, whose text model is M3.1 Flash. Anthropic covers OpenCode, Pi and other agents only through a separate monthly credit billed at API rates. Copilot meters chat and agent work in AI credits. OpenCode Go, Ollama Cloud and Copilot give a dollar allowance at token prices, so a flagship like Kimi K3 drains it fastest. Z.ai's and Alibaba's discounted hours fall in the American daytime.

Ordered by how many named hands-on reviews back each plan, then by how many developers recommend it on Hacker News and Reddit, then by price, lowest first.

Prices checked October 24, 2026.

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