Choose a workflow, not a winner.
Compare subscription access and billing paths for Codex and Claude Code. Use a repeatable workflow to test fit without invented performance scores.
Start with sign-in and the billing path
Codex
A ChatGPT plan and an API key are different routes. Verify the plan, supported client and usage dashboard before judging cost.
Claude Code
Check whether your plan includes the surface you need, what other activity shares its allowance, and whether API credentials change the billing route. Current plan notes are in the shared table below.
Subscription entry points
| Plan | USD / month | Access and important limits | Evidence |
|---|---|---|---|
| ChatGPT Free | $0 | Codex desktop entry is rollout-dependent; not a terminal-agent match in this checker. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| ChatGPT Go | $8 | Lightweight desktop Codex access is rollout-dependent. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| ChatGPT Plus | $20 | Codex and ChatGPT Work share usage. Task size, model and speed mode affect consumption. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| ChatGPT Pro $100 | $100 | Codex Pro currently has no five-hour limit; other allowances can still apply. Check your usage dashboard. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| ChatGPT Pro $200 | $200 | Codex Pro currently has no five-hour limit; other allowances can still apply. Check your usage dashboard. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| ChatGPT Pro $500 | $500 | Codex Pro has no five-hour limit and includes Ultrafast access where supported. Faster modes consume more usage; this is not unlimited use. | Source checked Checked 2026-10-22 UTC OpenAI: Codex pricing and usage |
| Claude Free | $0 | Chat access; no included Claude Code subscription route. | Source checked Checked 2026-10-22 UTC Claude: individual pricing |
| Claude Pro | $20 | Claude and Claude Code share five-hour and weekly limits. Monthly billing, not the annual equivalent; API-key billing is separate. | Source checked Checked 2026-10-22 UTC Claude: individual pricing Claude Code: Pro and Max access |
| Claude Max 5x | $100 | Shared five-hour and weekly limits still apply. Monthly API credits do not pay for interactive Claude Code or subscription extra usage. | Source checked Checked 2026-10-22 UTC Claude: Max plan tiers Claude Code: Pro and Max access Claude: monthly API-credit eligibility |
| Claude Max 20x | $200 | Shared five-hour and weekly limits still apply. Monthly API credits do not pay for interactive Claude Code or subscription extra usage. | Source checked Checked 2026-10-22 UTC Claude: Max plan tiers Claude Code: Pro and Max access Claude: monthly API-credit eligibility |
These are reference prices, not a checkout quote. Taxes, local currency, app-store billing, eligibility and promotions can change the amount you pay. Annual equivalents and API charges are not mixed into this table.
Not every row provides the same coding surface. In the checker, “terminal coding agent” excludes chat-only coding help and a limited desktop-only entry route.
Watch the API-credit distinction
Claude Max: API credits have separate eligibility rules
Max 5x and 20x offer $100 and $200 in monthly API credits respectively. They do not cover interactive Claude Code or subscription extra usage, and do not reset plan limits.
What to do: An eligible active plan needs seven days before claiming. Check Console-linking roles and eligible API/SDK uses; unused credits expire each billing cycle. Do not subtract credits from the fee.
A credit's face value is not automatically a discount on your subscription. Confirm the eligible work, claim process and expiry. A token-dollar session estimate is also not necessarily your subscription bill. Claude Code: costs and usage display
A small, repeatable comparison you can trust
- Choose a bounded task. Use a known bug, a small interface change or a test gap. Write acceptance checks before starting.
- Make the starting state identical. Use separate clean working copies, the same instructions and the same allowed files and tools.
- Record the actual configuration. Note agent version, model, reasoning or speed settings, permission level and sign-in method.
- Set a resource limit. Stop both trials at the same time or spend ceiling. Do not equate token counts with subscription charges.
- Verify independently. Run the tests, inspect the diff and record manual corrections, failures and elapsed time. Repeat before drawing a broad conclusion.
WiseChecker has not yet published an independent head-to-head benchmark for this edition. No success rate, speed advantage or “best agent” claim is inferred from provider marketing.
When to stay with your current tool
If your current plan completes the work, fits your environment and leaves a reviewable result, there may be no reason to switch. If it fails, identify whether the cause is missing access, exhausted usage, an environment restriction or task quality. A more expensive model does not automatically solve all four.
Check documented plan options →Evidence and update policy
This independent reference is checked against provider documentation during editorial preparation, with software assistance. It is not an account-level test or a head-to-head benchmark. Prices, access notes and updates share one catalog, so a reviewed correction can flow to all five pages. Fetching a page or saving an edit does not, by itself, renew its verification date.
Each record has an explicit review deadline, no more than seven days after its check. Overdue records are labeled and excluded from price-based recommendations. Offers with an explicit expiry stop displaying as active after that time. Missing evidence means “not verified,” not “free,” “unavailable” or “no incident.”
Official sources establish documented terms; your provider account and local checkout establish your actual access and charge. We do not inspect either. There is no universal model ranking, automated publication of scraped claims or promise of continuous human coverage.
Official sources and review dates
- OpenAI: Codex pricing and usage — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- OpenAI: model access and retirement notes — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Claude: individual pricing — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Claude: Max plan tiers — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Claude Code: Pro and Max access — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Claude Code: costs and usage display — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Claude: monthly API-credit eligibility — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Google: Gemini subscriptions (US / USD) — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Google: account and country requirements — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Google: paid feature comparison for apps — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked
- Google: restrictions on bundled AI benefits — checked 2026-10-22T03:18:38Z; review due 2026-10-29T03:18:38Z. Source checked