Most small businesses don’t buy one AI tool — they end up with five or six, and the real monthly bill is rarely what the pricing pages suggest. This calculator uses the verified entry-plan prices from our AI Tools Pricing Index, where we checked the official pricing pages of 24 popular tools in October 2026. A few findings from that research: the median entry plan costs $20/month on annual billing, 71% of tools offer a free plan, and paying annually saves about 28% on average. Pick one tool per category below, set your team size, and see what your stack actually costs.
Seats only multiply tools priced per seat/user. Usage-based tools (writing volume, tasks, credits, minutes) are charged at their entry-plan price for one account. Prices marked * had no separately verified monthly price, so the verified annual price is shown for both periods.
Your stack
Frequently asked questions
- How much should a small business budget for AI tools?
- Based on the medians in our Pricing Index, a five-tool starter stack for a solo operator lands near $100/month on annual billing. Teams should budget roughly $20 per user per month for each per-seat tool, plus headroom for usage-based tools whose cost scales with volume.
- Is annual billing really cheaper?
- Yes — across the 10 tools where we verified both prices, annual billing saved about 28% on average (from 14.5% at Jasper to 60% at Grammarly). Try the free tier and trial first, then switch to annual once the tool is embedded in your workflow.
- Where do these prices come from?
- Every price in this calculator was read from the vendor’s official pricing page in October 2026 for our AI Tools Pricing Index. We only include tools with a fully or partially verified entry price — no third-party roundup numbers. The index is re-checked monthly.
Want the full picture before you commit? Read the AI Tools Pricing Index — entry prices, free plans, trials and billing models for 24 AI tools, verified monthly on LeanStack AI.
