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Claude Max, ChatGPT Pro or Google AI Ultra: which AI plan do you actually need?

Video · 3:18 · Oct 17, 2026 · Jamin Kim · Watch on YouTube

The short answer

It depends on the work. For coding I'd use Claude (Opus 5.5); for short ads under a minute, Google AI Ultra, where a 1-minute ad is about 96 Flow credits, about $0.77 before retakes; and if you've never used an agent, skip the $20 tier and take the $200 plan, which right now means Claude Max 20x.

I pay for all three top plans ($624 a month), and on Oct 17 Claude was the only one I was running out of: 78% of the week used with 66% of the week gone, against 9% on ChatGPT (Codex) and 1% on Gemini in Antigravity.

Chapters

  1. 0:00 Everyone has a different answer
  2. 0:13 Who this is for
  3. 0:24 Short ads: Google AI Ultra
  4. 0:45 Agents era (Flow blocked me)
  5. 1:11 Realistic video: Seedance, Kling
  6. 2:07 Coding: Claude
  7. 2:17 The catch with $200 plans
  8. 2:45 Never used an agent?
  9. 3:04 My meters

Receipts (checked Oct 17, 2026)

WhatNumberSource
What I pay: Claude Max 20x$200 a monthin the video
What I pay: ChatGPT Pro$200 a monthin the video
What I pay: Google AI Ultra (billed in Korea)₩300,000 (≈ $224) a monthin the video
My Claude weekly meter, Oct 1778% used, 66% of the week gonein the video
My ChatGPT (Codex) weekly meter, Oct 179% used, 20% of the week gonein the video
My Gemini in Antigravity weekly meter, Oct 171% used, new weekin the video
Claude Max $100 vs $200 (official)5x vs 20x the Pro plan's per-session usagesupport.claude.com
Google AI Ultra ($199.99): a 1-minute ad in Flow (8-second Omni Flash clips, 12 credits each)about 96 credits, about $0.77 before retakessupport.google.com

Try it on your own computer

  • Find your own meter: Claude under Settings → Usage (or /usage in Claude Code), ChatGPT on the Codex usage dashboard (or /status in the Codex CLI), Google in the Gemini app under Settings → Usage limits (or /usage in the Antigravity CLI).
  • Read it as end of week, not right now: % used ÷ % of the week gone. My Google plan on October 16 was 8% used with 48% of the week gone, so about 17% by the end of the week.
  • Keep the plan you run out of and downgrade the one that ends the week far under its limit. On Claude Max and Google AI Ultra the $100 tier has 1/4 of the $200 tier's quota, so finishing under about 20% on $200 means $100 still fits.
  • On ChatGPT Pro, OpenAI doesn't publish the Pro $100 vs Pro $200 ratio, and eligible older Pro 200 subscribers keep the previous allowance only through October 29, 2026, so check your number again after that date.

Which AI plan fits your work? A 2-minute self-check Free, on GitHub

Transcript

0:00 It seems like everyone's really confused with what kind of subscription they need. I have used all of the most popular AI subscriptions, from AI images, videos, LLM and everything.

0:13 My take is, if you're doing a lot of coding jobs, you already know what to use. This is more for people who are sort of confused and trying to get into AI right now.

0:24 If you're doing commercials, like short commercials, I would say use Gemini Ultra Pro. Although Flow credits are not that great, you can actually get a lot of the AI-generated videos by using Flow credits plus the Google Vids. If you make less than a minute of commercial ads, usually that's going to be less than a dollar to create one.

0:45 You can also do some kind of automation behind the scenes to not fiddle with the Flow UI. I honestly think there should be an MCP to use the subscription instead of people manually clicking and typing. Come on, it's agents era. Most of the UI work, I never type it unless it's a password or something important. I just ask Astra or Claude Code to do it for me.

1:11 Usually when you want to make really high-quality, realistic, or even very action-oriented videos, you can't do it with Gemini Omni as of now. You have to use Seedance 2.5, or I think there's Kling 4.0, dropped yesterday or today. Those kind of things are expensive. You have to at least put $100 to $1,000 to make 1-minute video.

1:35 I'm not sure if you need Higgsfield. A lot of people are using Higgsfield, but I honestly haven't used Higgsfield. But I have used Stable Diffusion and ComfyUI from way back, three years ago. I'm pretty sure a lot of the tools are already there. It's just the model subscription, subsidized subscription, that you need. I see some other companies, like startups, giving you 50% off, 80% off sometimes, for promotion price. Get that, and then use that to make whatever ads that you want.

2:07 If you're just doing coding, I would say use Claude, Opus 5.5. GPT Astra: it's good, but it's just slow. I just use it to tweak UIs with that.

2:17 Like OpenAI, I can't even use it fast enough to burn all the tokens. If I use Astra really fast, then it will not respond at some point, and then I have to use Sol 6.1. That's not good. Google AI credits: I had 25,000 credits, and I wanted to go faster. I wanted to make things parallel, and then the UI will not respond. The amount of money you paid and then what they promised does not really…

2:45 My suggestion is, if you're starting out: I see a lot of people haven't used agents yet. All they did was using those free-tier chatbots one by one. I would suggest, buy the $200 subscription. Right now it's Claude, but sooner or later it might change. We don't know.

Sources

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