Independent AI buying guide

No paid rankings

Last checked 26 Oct 2026

Which AIshould I buy?

Is it worth it?

Is ChatGPT Plus worth it?

ChatGPT Plus costs $20/mo. We hold it up against ChatGPT's free plan, every other free plan and every cheaper subscription, on independent test scores.

The verdict

ChatGPT Plus · $20/mo

Yes

ChatGPT Plus scores 92/100 overall. The best free plan, Claude Free, scores 86% of that, and no cheaper subscription gets within 92%. Worth it if you use AI often enough to hit free limits.

Right as of 26 Oct 2026. New models and price changes come out often, and we re-check every week. Check back before you buy or renew.

What you get for the money

ChatGPT Plus against ChatGPT's free plan and the best subscription per topic, scored out of 100.

TopicChatGPT PlusChatGPT freeBest subscription
Overall92GPT-6 Astra7298Gemini Google AI Pro
Coding94GPT-6 Astra6899GitHub Copilot Pro
Writing87GPT-5.6 Sol69100Claude Pro
Research & search98GPT-6 Astra6698ChatGPT Plus
Maths & hard problems98GPT-6.1 Sol8298ChatGPT Plus
Studying94GPT-6.1 Sol78100Gemini Google AI Pro
Business & office94GPT-5.6 Sol80100Gemini Google AI Pro

The plan up close

Our opinion first, then the sourced facts: price, AI models and what's included.

ChatGPT Plus

ChatGPT Plus

By OpenAI · $20/mo

Source: OpenAI · verified 26 Oct 2026

Our take (opinion, reviewed 7 Oct 2026)

The all-rounder most people already know. Good at almost everything, rarely the very best at one thing.

Good for

  • People who want one AI for a bit of everything
  • Beginners who want the most familiar option

Not for

  • People who only need coding help inside their editor

AI models included

  • GPT-5.6 LunaSource: OpenAI · verified 26 Oct 2026
  • GPT-5.6 SolSource: OpenAI · verified 26 Oct 2026
  • GPT-5.6 TerraSource: OpenAI · verified 26 Oct 2026
  • GPT-6.1 SolSource: OpenAI · verified 26 Oct 2026
  • GPT-6 AstraSource: OpenAI · verified 26 Oct 2026
  • GPT-6 LunaSource: OpenAI · verified 26 Oct 2026
  • GPT-6 SolSource: OpenAI · verified 26 Oct 2026

What you get with Plus

  • Expanded messages and file uploadsSource: OpenAI · verified 26 Oct 2026
  • Expanded deep researchSource: OpenAI · verified 26 Oct 2026
  • Projects, scheduled tasks and custom GPTsSource: OpenAI · verified 26 Oct 2026
  • Advanced reasoning models with GPT-6Source: OpenAI · verified 26 Oct 2026
  • Early access to new featuresSource: OpenAI · verified 26 Oct 2026
  • More complex and accurate image creationSource: OpenAI · verified 26 Oct 2026
  • Usage limits such as message caps can apply, especially at peak timesSource: OpenAI · verified 26 Oct 2026

Strengths

  • The free version is available to everyoneSource: OpenAI · verified 26 Oct 2026
  • Go costs $8 per month in the USSource: OpenAI · verified 26 Oct 2026
  • Pro 500 has the highest included usage of the Pro plansSource: OpenAI · verified 26 Oct 2026
  • Works on web, iOS and AndroidSource: OpenAI · verified 26 Oct 2026
  • Ad-free on Plus and ProSource: OpenAI · verified 26 Oct 2026
  • Data is encrypted in transit and at restSource: OpenAI · verified 26 Oct 2026

Limitations

  • Go plan may show adsSource: OpenAI · verified 26 Oct 2026
  • Plus cannot be paid annually or for several months in advanceSource: OpenAI · verified 26 Oct 2026
  • Plus has message caps, especially during busy timesSource: OpenAI · verified 26 Oct 2026
  • Free and Go plans may show ads; testing is plannedSource: OpenAI · verified 26 Oct 2026
  • Chats may be used for training unless you opt outSource: OpenAI · verified 26 Oct 2026

The free plan

ChatGPT Free

By OpenAI · Free

Source: OpenAI · verified 26 Oct 2026

AI models included

  • GPT-5.6 Terra (limited use)Source: OpenAI · verified 26 Oct 2026
  • GPT-6 Luna (limited use)Source: OpenAI · verified 26 Oct 2026

What you get with Free

  • Limited messages and file uploadsSource: OpenAI · verified 26 Oct 2026
  • Limited image creationSource: OpenAI · verified 26 Oct 2026
  • Limited deep researchSource: OpenAI · verified 26 Oct 2026
  • Unlimited text chats with GPT-6, subject to abuse guardrailsSource: OpenAI · verified 26 Oct 2026
  • Limited memory and contextSource: OpenAI · verified 26 Oct 2026
  • Voice chats are limitedSource: OpenAI · verified 26 Oct 2026

Strengths

  • The free version is available to everyoneSource: OpenAI · verified 26 Oct 2026
  • Go costs $8 per month in the USSource: OpenAI · verified 26 Oct 2026
  • Pro 500 has the highest included usage of the Pro plansSource: OpenAI · verified 26 Oct 2026
  • Works on web, iOS and AndroidSource: OpenAI · verified 26 Oct 2026
  • Ad-free on Plus and ProSource: OpenAI · verified 26 Oct 2026
  • Data is encrypted in transit and at restSource: OpenAI · verified 26 Oct 2026

Limitations

  • Go plan may show adsSource: OpenAI · verified 26 Oct 2026
  • Plus cannot be paid annually or for several months in advanceSource: OpenAI · verified 26 Oct 2026
  • Plus has message caps, especially during busy timesSource: OpenAI · verified 26 Oct 2026
  • Free and Go plans may show ads; testing is plannedSource: OpenAI · verified 26 Oct 2026
  • Chats may be used for training unless you opt outSource: OpenAI · verified 26 Oct 2026

Questions people ask

Is ChatGPT Plus worth it?
Yes. ChatGPT Plus scores 92/100 overall. The best free plan, Claude Free, scores 86% of that, and no cheaper subscription gets within 92%. Worth it if you use AI often enough to hit free limits.
How much does ChatGPT Plus cost?
$20/mo, according to OpenAI: What is ChatGPT Plus?.
Is the free version of ChatGPT enough?
ChatGPT's free plan scores 77% of ChatGPT Plus overall. We call a free plan "enough" from 92%.

How we decide: if a free plan scores at least 92% of ChatGPT Plus in the same independent tests, we call the free plan enough, the same rule as everywhere on this site. Read how we rank.