구독 vs API

내 사용량 수준에서 AI 구독과 사용량 기반 API를 비교합니다. 구독은 토큰이 아니라 시간 창 단위로 과금되므로 정확한 손익분기점은 존재하지 않습니다. 결과는 구간으로 제시하며, 캐시 민감도와 각 플랜의 확인 날짜를 함께 표시합니다.

플랜 가격과 한도는 수동으로 관리하며 제공업체별로 개별 확인하지 않았습니다. API 가격은 카탈로그에서 읽어오므로 가격 기준을 바꾸면 결론이 뒤바뀔 수 있습니다. 한도 규칙은 자주 변경되므로 공식 페이지를 우선하세요.

하루 프롬프트 수

호출당 입력 토큰

호출당 출력 토큰

캐시 적중률 70%

프롬프트당 모델 호출 수: 8

채팅은 약 1회입니다. 에이전트는 계획·검색·도구 호출·요약을 거치므로 프롬프트 하나가 보통 5~30회 호출을 일으킵니다. 토큰 단가가 낮은 모델이 작업당으로는 비싸지는 이유가 이것입니다.

API 가격 기준

1차 공급자의 정가로, 1차 공급자 구독과 동일 조건으로 비교할 수 있는 대안입니다.

시나리오 프리셋

이 사용량이면 월 약 4,800회 모델 호출입니다.

비용 범위는 캐시 적중률의 불확실성(±15%p)에서, 용량 범위는 각 창 한도를 보수적·낙관적으로 읽은 결과에서 나옵니다. 구독 한도는 시간 창이라 고정된 토큰 수로 환산할 수 없으므로 손익분기점은 점이 아니라 구간입니다.

하루보다 짧은 롤링 창은 월 176 활동 시간(8시간 × 22일)을 가정해 환산합니다. 일·주·월 한도는 달력 기준 창이므로 할인하지 않습니다.

한도를 계산할 수 없는 플랜

절대 한도를 공개하지 않거나, 모델 호출 수로 환산할 수 없는 단위로 과금하는 플랜입니다. 숫자를 지어내지 않고 그대로 나열했습니다.

OpenAI Free무료Model and feature limits are dynamic and no absolute monthly or message cap is published.
OpenAI GoUS$8.00Higher limits than Free are published without an absolute message or monthly allowance.
OpenAI PlusUS$20.00Advanced-model and feature limits are dynamic; the pricing page gives no absolute API-call equivalent.
OpenAI Pro $100US$100.00The 5× usage statement is relative to Plus and cannot be converted to an absolute API-call allowance.
OpenAI Pro $200US$200.00The 20× usage statement has no absolute API-call equivalent; new subscriptions and upgrades are temporarily paused.
OpenAI Business StandardUS$25.00Business usage is subject to service guardrails and has no absolute published API-call allowance.
OpenAI Business PremiumUS$125.00Premium usage is relative to the Standard seat and has no absolute published API-call allowance.
Anthropic Free무료Usage depends on the model, conversation and feature; no absolute cap is published.
Anthropic ProUS$20.00Usage credits and weekly limits depend on task and model; no absolute API-call allowance is published.
Anthropic Max 5xUS$100.00The 5× statement is relative to Pro and task-dependent, not an absolute API-call allowance.
Anthropic Max 20xUS$200.00The 20× statement is relative to Pro and task-dependent, not an absolute API-call allowance.
Anthropic TeamUS$25.00Per-seat usage is not published as an absolute API-call allowance.
Google AI PlusUS$4.99The plan states a relative 2× usage limit; compute-based limits cannot be converted to API calls.
Google AI ProUS$19.99The plan states a relative 4× usage limit; compute-based limits cannot be converted to API calls.
Google AI Ultra 5xUS$99.99Usage is measured as compute and varies with the prompt, features and conversation; no API-call cap is published.
Google AI Ultra 20xUS$199.99Usage is measured as compute and varies with the prompt, features and conversation; no API-call cap is published.
xAI Free무료Rate limits are not published as absolute model-call numbers.
xAI SuperGrokUS$30.00Higher rate limits are not published as absolute model-call numbers.
xAI SuperGrok PlusUS$100.00Higher rate limits are not published as absolute model-call numbers.
Perplexity Free무료Pro-search and feature limits are not equivalent to a fixed model-call allowance.
Perplexity ProUS$20.00Search and research usage bundles retrieval, tools and generation, so it cannot map to API model calls.
Perplexity MaxUS$200.00Monthly AI credits vary in cost by research feature and model, so they cannot map to API model calls.
Mistral Free무료Vibe feature limits and Studio credits do not specify a fixed model-call allowance.
Mistral ProUS$14.99Vibe feature limits and included Studio API credits do not specify a fixed model-call allowance.
Mistral TeamUS$24.99Per-seat Vibe use and included credits do not specify a fixed model-call allowance.
GitHub Free무료Chat, agent and completion limits are product-specific and are not API model-call limits.
GitHub ProUS$10.00Included GitHub AI Credits have feature- and model-dependent costs, not a fixed API-call conversion.
GitHub Pro+US$39.00Included GitHub AI Credits have feature- and model-dependent costs, not a fixed API-call conversion.
GitHub MaxUS$100.00The $100 monthly AI Credit allocation has feature- and model-dependent costs, not a fixed API-call conversion.
GitHub BusinessUS$19.00Included GitHub AI Credits have feature- and model-dependent costs, not a fixed API-call conversion.
GitHub EnterpriseUS$39.00Included GitHub AI Credits have feature- and model-dependent costs, not a fixed API-call conversion.
Cursor Hobby무료Agent-request limits are not published as absolute model-call numbers.
Cursor ProUS$20.00Agent limits and usage-based features do not specify a fixed model-call allowance.
Cursor Pro+US$60.00Agent limits and usage-based features do not specify a fixed model-call allowance.
Cursor UltraUS$200.00Agent limits and usage-based features do not specify a fixed model-call allowance.
Cursor Teams StandardUS$40.00Team use and usage-based features do not specify a fixed model-call allowance.