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AI Family Plan - ChatGPT Team, Claude Team, and Family Bundles

🚀 Open the calculator

Meet Jamal Brooks. Parent of teenagers + small business owner. "Wife, two teens, me - all want AI access. Individual subscriptions = $80/mo. Family plan = ?"

🔥 Teens hitting free tier caps. Need a family solution that's cheaper than $80.

The story

'Family plan' for AI doesn't really exist yet - but Team plans work. ChatGPT Team: $25/seat/mo (min 2). Claude Team: $25/seat/mo (min 5). Gemini Advanced: individual only, $20/mo. There are no proper consumer family plans like Netflix has. Workarounds exist.

Jamal's family of 4: 4× ChatGPT Plus = $80/mo. ChatGPT Team for 4 seats = $100/mo (more!). 4× Claude Pro = $80/mo. Realistic best: 1 ChatGPT Plus + 1 Claude Pro shared (login from multiple devices) = $40/mo. Account sharing technically violates ToS but is widely tolerated for households.

Three family approaches. (1) Free-tier-only - sign each family member up for free Claude/ChatGPT/Gemini. Covers most family needs. $0/mo. (2) Shared single subscription - one Plus account shared across devices. $20/mo. Risky on ToS. (3) Mixed - paid for primary user (parent's work), free tiers for kids' homework. $20-40/mo.

About this calculator: AI Family Plan - ChatGPT Team, Claude Team, and Family Bundles

Sharing AI subscriptions across family or small team? ChatGPT Team, Claude Team, Gemini family options. Real per-user math + when family plan beats individual.

Inputs you control

Input Impact on result Range Typical
Family members using AI How many distinct users in the family. Solo: skip family plan. 2-4: most common. 5+: explore Team plans. 2 – 8 4
Total weekly AI hours (across family) Sum across all family members. Light family: 10-20 hr. Heavy: 30+. Helps decide tier. 2 – 100 25
Family monthly budget ($) $0 = free tiers. $20-40 = mixed. $80+ = full subscriptions per person. 0 – 200 40

Outputs computed for you · model: subscription

Output How inputs affect it
Monthly cost ($) computed from inputs
Annual cost ($) monthlyUsd × 12

Below: live sliders. Move them to see numbers change in real time. * Output uses the generic compute model — for precise numbers use the full calculator below.

What you're looking at

Each input shapes your cost. Move the slider — see the impact.

4

How many distinct users in the family. Solo: skip family plan. 2-4: most common. 5+: explore Team plans.

Estimated: —
25

Sum across all family members. Light family: 10-20 hr. Heavy: 30+. Helps decide tier.

Estimated: —
40

$0 = free tiers. $20-40 = mixed. $80+ = full subscriptions per person.

Estimated: —

Ready to run the numbers?

Open the full calculator — pick a model, enter your tokens, see per-call, daily, monthly, and annual cost.

🚀 Open the full calculator →

Reading your result

Free tiers cover ~80% of family AI needs. Sign each family member up for ChatGPT + Claude + Gemini free. Multi-account rotation = effectively unlimited.

Single shared subscription works for 2-3 family members. One ChatGPT Plus or Claude Pro shared across devices. ToS officially says 'individual use' - practically tolerated.

Team plans aren't designed for families but can work. ChatGPT Team min 2 seats × $25 = $50/mo. Claude Team min 5 × $25 = $125/mo. Pricier than individual but with admin features that help track usage.

The honest answer: free tiers + 1-2 paid subscriptions is the family sweet spot. $20-40/mo, covers most use, no ToS gymnastics.

What "good" looks like:
  • Family of 2-3 light users: Free tiers + 1 paid = $20/mo
  • Family of 4-5 mixed use: Free + 2 paid = $40/mo
  • Family of 4+ with heavy users (work + school): 1 per heavy user = $40-80/mo
  • Small business / 5+ adults: Team plan justified - $125+/mo

Family-friendly AI subscription tiers

Verified 20 hours ago
  1. 1
    GPT-5 Mini
    $0.250 in · $2.00 out ·
  2. 2
    Command
    $1.00 in · $2.00 out ·
  3. 3
    devstral-2
    $0.400 in · $2.00 out ·

Three real scenarios

Same calculator, three different team sizes. Click a tab to see how the numbers shift.

$0.00 / month ≈ $0.00 / year

Family of 3, light use. Each signs up for free ChatGPT + Claude + Gemini. Three free accounts × three tools = lots of free capacity. $0/mo.

Healthy range: Free tiers cover 100%

See inputs used
familyMembers
3
totalWeeklyHours
12
monthlyBudgetUsd
0

Trade-offs

Cost isn't the only dimension. Click any constraint — see how recommendations change.

What matters most to you? Click any dimension — recommendations update.

Best fit for "cost":

  1. Free tiers per family member $0, covers most homework + casual
  2. Shared single subscription $20/mo, ToS gray area
  3. Team plan $50-125/mo, business-grade only

There's no good consumer family plan from any AI vendor as of mid-2026. Free tiers + 1-2 paid is the realistic sweet spot.

Use cases

Pre-loaded scenarios for the most common applications. Click a tab to see realistic numbers — then the "Try this scenario" button to load it into the calculator above.

$20.00 / month ≈ $240.00 / year

Parent uses ChatGPT free for occasional work. Kid uses Claude free for homework. Optional: 1 Plus subscription shared. $0-20/mo.

Healthy range: Free tier covers + 1 shared paid

See inputs used
familyMembers
2
totalWeeklyHours
10
monthlyBudgetUsd
20

What this calculator can't tell you

Honest limitations — every model is wrong; some are useful. Where this one falls short:

For these, use: Pick the right individual subscription. Try free first.

Where to go next

Pick individual subscription →

If family doesn't pencil out.

 Free tier coverage →

Often enough for families.

 Annual savings →

Lock in tools the family commits to.

Methodology

Source
/ai-cost-economics
Extraction
Vendor Team plan pricing monitored monthly.
Editorial gate
8-layer defense — see aicost.ai/ai-cost-economics
Last verified
6/4/2026, 8:00:00 PM

Author: Subu Vdaygiri, Founder & CEO of CloudIntelligence.ai. 17 years Fortune 100 (Ingram Micro, Siemens). Wharton CTO program · Kellogg CPO program · 10× AWS+Azure certified.

3 years of pricing history

Why this matters: pricing for major vendors has dropped 40-90% in the last 24 months. A budget set 12 months ago is probably wrong by 30%+.

View 3-year history for →
📖 Data sources & methodology 161 text models · 9 embeddings · 24 vision · 41 audio · 8 vector DBs across 10 vendor pages · last verified 2026-06-05

Methodology

  • All prices are USD per 1 million tokens, current as of 2026-06-05.
  • Vendor-published values have no mark. Inferred/extrapolated values are marked with * and listed below.
  • Batch API discounts are 50% off standard rates across providers that offer Batch mode.
  • Prompt caching discounts vary by provider (typically 80-90% off cached input tokens).
  • Regional data-residency surcharges (Anthropic 1.1x, OpenAI 1.1x, Google regional tiers) are NOT included in base rates.
  • Long-context pricing tiers apply when input exceeds model threshold.
  • Embedding prices are input-only (no output tokens generated).

Primary sources

Last-verified date is the most recent successful daily snapshot (aicost_pricing_snapshots) or, when no snapshot exists yet, the latest successful crawler run (aicost_crawler_runs). 10 of 10 vendors are currently verified. Aggregator services (TokenCost, AI Pricing Guru, etc.) are not listed.

Anthropic
2026-06-05
https://www.anthropic.com/pricing
Daily snapshot since Sep 2023 · 578 days captured
Anthropic Docs
2026-06-05
https://platform.claude.com/docs/en/about-claude/pricing
Daily snapshot since Sep 2023 · 578 days captured
OpenAI
2026-06-05
https://openai.com/api/pricing/
Daily snapshot since Sep 2023 · 579 days captured
Google AI
2026-06-05
https://ai.google.dev/gemini-api/docs/pricing
Daily snapshot since Dec 2023 · 554 days captured
Google Vertex
2026-06-05
https://cloud.google.com/vertex-ai/generative-ai/pricing
Daily snapshot since Dec 2023 · 554 days captured
DeepSeek
2026-06-05
https://api-docs.deepseek.com/quick_start/pricing
Daily snapshot since May 2024 · 493 days captured
xAI
2026-06-05
https://x.ai/api
Daily snapshot since Nov 2024 · 411 days captured
Mistral
2026-06-05
https://mistral.ai/pricing
Daily snapshot since Dec 2023 · 552 days captured
Cohere
2026-06-05
https://cohere.com/pricing
Daily snapshot since Sep 2023 · 578 days captured
Voyage AI
2026-06-05
https://docs.voyageai.com/docs/pricing

Inferred values (marked with * in calculator tables)

Derived from industry conventions, not directly published by the vendor. Typical conventions: cached input = 10% of base (90% off), Batch API = 50% of base (50% off).

Vendor / Model Field Why it’s inferred
Anthropic — Claude Sonnet 4.6 cachedInput Derived at 10% of input rate — Anthropic publishes 90% cache-hit discount on this tier.
Anthropic — Claude Sonnet 4.5 cachedInput Derived at 10% of input rate; same 90% cache-hit convention as Sonnet 4.6.
Anthropic — Claude Sonnet 4.5 batchInput Derived at 50% of standard input — Anthropic documents uniform 50% Batch discount.
Anthropic — Claude Sonnet 4.5 batchOutput Derived at 50% of standard output — Anthropic documents uniform 50% Batch discount.
Anthropic — Claude Haiku 4.5 cachedInput Derived at 10% of input rate — Anthropic 90% cache-hit discount convention.
OpenAI — GPT-5.4 Mini cachedInput Derived at 10% of input — OpenAI documents automatic 90% discount on cache hits across GPT-5.x tier.
OpenAI — GPT-5.4 Nano cachedInput Derived at 10% of input — OpenAI 90% cache-hit convention.
OpenAI — GPT-5.4 Nano batchInput Derived at 50% of input — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Nano batchOutput Derived at 50% of output — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Pro cachedInput Derived at 10% of input — OpenAI 90% cache-hit convention.
OpenAI — GPT-5.4 Pro batchInput Derived at 50% of input — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.4 Pro batchOutput Derived at 50% of output — OpenAI Batch API uniform 50% discount.
OpenAI — GPT-5.2 cachedInput Derived at 10% of input; no residency uplift.
OpenAI — GPT-5.2 batchInput Derived at 50% of input.
OpenAI — GPT-5.2 batchOutput Derived at 50% of output.
OpenAI — GPT-5 cachedInput Derived at 10% of input.
OpenAI — GPT-5 batchInput Derived at 50% of input.
OpenAI — GPT-5 batchOutput Derived at 50% of output.
OpenAI — GPT-5.5 Pro cachedInput Derived at 10% of input — OpenAI does not publish a cached rate for *-pro models; using the family convention.
OpenAI — GPT-5.5 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5.5 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5.2 Pro cachedInput Derived at 10% of input — pro-tier convention.
OpenAI — GPT-5.2 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5.2 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5.1 batchInput Derived at 50% of input.
OpenAI — GPT-5.1 batchOutput Derived at 50% of output.
OpenAI — GPT-5 Pro batchInput Derived at 50% of input.
OpenAI — GPT-5 Pro batchOutput Derived at 50% of output.
OpenAI — GPT-5 Nano cachedInput Derived at 10% of input.
OpenAI — GPT-5 Nano batchInput Derived at 50% of input.
OpenAI — GPT-5 Nano batchOutput Derived at 50% of output.
Google — Gemini 3 Flash cachedInput Derived at 10% of input — Google caching discount convention ~90%.
Google — Gemini 3.1 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 3.1 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 3.1 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.5 Pro cachedInput Derived at 10% of input.
Google — Gemini 2.5 Flash cachedInput Derived at 10% of input.
Google — Gemini 2.5 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 2.5 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.5 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash cachedInput Derived at 25% of input per Google 2.0 family caching rates.
Google — Gemini 2.0 Flash batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash-Lite cachedInput Derived at 10% of input — Google caching convention.
Google — Gemini 2.0 Flash-Lite batchInput Derived at 50% of input — Google Batch API uniform 50% discount.
Google — Gemini 2.0 Flash-Lite batchOutput Derived at 50% of output — Google Batch API uniform 50% discount.
xAI — Grok 4 (legacy) cachedInput Extrapolated at 25% of base.

Pricing is cross-verified against the LiteLLM community registry when available. Daily snapshots are kept in aicost_pricing_snapshots; every change is logged to aicost_price_changelog with old & new values for full audit trail. Read the full methodology →