Subscription vs pay-as-you-go: how to find your break-even
A subscription only pays off above a usage threshold. Find your break-even with the interactive calculator, and see where a flat plan beats metered tokens.
ยทยท11 min readยทDeepFrugal
A flat monthly plan feels cheap next to a pay-as-you-go API. It is not always
cheaper. The plan wins only above a usage threshold. Below that threshold you
pay for capacity you never use.
This guide shows how to find the usage where a plan beats paying per token. The
cost per token guide explains how a listed
price becomes an effective rate; this one turns that rate into a decision.
The calculator works in effective rates: a plan's listed price scaled by its
fee and quota. LLM cost per token: listed vs
effective defines the three billing shapes, the
formula and the token types behind every number here.
The effective rate is a best case. It assumes you consume every included
token on the selected model. DeepFrugal states this in every price tooltip.
Pick a plan, then add the models you actually use. Each row has its own monthly
input, cached read, cached write and output (cached tokens
explained); use Add model to build a mix.
The default is the Medium preset. Pick Light, Medium or
Heavy ยท agentic to load a representative mix, then edit it; each chip names
the models it will load for the selected plan.
Plan break-even โ OpenCode Go ยท Experimental
Cheaper
Subscriptionsave $14.54/month
You pay $10.00/month instead of $24.54 of usage.
Usage: 663M tokens ยท $50.35 at list rates ยท $24.54 cheapest pay-as-you-go.
Subscriptioncheaper$10.00/month
Quota used70%
Covered by the quota$50.35
Above the quota$0.00
Monthly cost$10.00
Cheapest pay-as-you-go route
Real rates include the service fee; sales tax is not included.
GLM 5.3 Flash via OpenRouter API
DeepSeek V4.1 Flash via OpenRouter API
Monthly cost$24.54
Break-even: $10.00 of usage (โ 132M tokens at this mix)
At your mix: subscription $10.00/mo ยท cheapest metered $24.54/mo ยท at list rates $50.35/mo โ subscription is cheapest by $14.54/mo.
Plan break-even details
Average cost per token
Listed rate
Cheapest pay-as-you-go route
Quota limit
Cheaper than the cheapest
Quota usage break-even
Plan break-even / loses
Average at your mix
Hover the curve to read the values.
โพ How the graph is calculated
Inside the quota the average is the monthly subscription fee divided by the tokens used, so it falls as the mix scales up and reaches the mix's effective rate at the quota limit. Above the limit the pool is spent and the extra tokens are paid outside the plan at the overflow base chosen in Options โ the plan's own fallback route, the pay-as-you-go market its gateway publishes (the listed rate where there is none), the cheapest pay-as-you-go rate found for it, or the cheaper of the offered bases โ so the average climbs towards that blended rate.
The pool is one shared budget: each model's allowance is that same pool restated at its rates โ dollars for a dollar-credit plan, credits for a token-credit plan โ and it is allocated in the model order shown, so a different order or blend moves the curve. A token type a model does not price still counts in the volume but adds no cost. The token axis is logarithmic, so a wide range of usage fits on one chart.
The pay-as-you-go line is the cheapest real rate per model (fee included; sales tax excluded) โ an exact variant match when a pay-as-you-go gateway publishes that variant, otherwise the model's nearest published row โ so it can combine more than one gateway. When that rate equals the plan's own listed rate the chart shows the listed line only.
The markers: the quota usage break-even is where the average meets the plan's list rate, so below it you pay more per token than list; the plan break-even is where the average starts to beat the cheaper of the two references; loses to the cheapest is where it stops doing so (it exists only when the overflow base is dearer than that reference); the your mix point is your stated usage, labelled with its monthly token volume, where the horizontal guide marks the mix's average cost per 1M, and the shaded band is where the subscription wins.
โพ How the plan quota is consumed
A subscription grants one monthly pool. The pool is allocated to the models in the order listed here: each model spends its usage divided by its quota, capped by what is left, so the total never exceeds 100%. Reorder the models to approximate your own pattern. Usage above a model's allowance, or beyond the pool, is paid outside the plan at the OpenCode Zen rate.
Model
Usage
Monthly quota
% of Quota
Pay as you go
GLM 5.3 Flash
$29.10
$60.00
48.5%
โ
DeepSeek V4.1 Flash (Off-Peak)
$15.71
$100.00
15.7%
โ
DeepSeek V4.1 Flash (Peak)
$5.54
$100.00
5.5%
โ
Total
$50.35
โ
70%
$0.00
Budget used = 0.698 (70%) ยท Covered = $50.35 ยท Pay as you go = $0.00
โพ Effective rates (listed vs effective)
Model
Input /1M
Output /1M
Cached read /1M
GLM 5.3 Flash
$0.03$0.15
$0.099$0.5
$0.006$0.03
DeepSeek V4.1 Flash (Off-Peak)
$0.03$0.15
$0.119$0.6
$0.001$0.003
DeepSeek V4.1 Flash (Peak)
$0.06$0.3
$0.238$1.2
$0.001$0.006
Effective = listed ร 0.199 at this usage ยท 70% of the plan budget used
Experimental. Confirm every figure against the provider's own pricing before you rely on it. DeepFrugal is not responsible for calculation errors.
The same calculator is available as a standalone page at
/tools/plan-break-even/. It keeps your usage in the URL, so you can
bookmark a calculation or share it.
The calculator values your usage at the listed rates and compares it with
the plan. Below the subscription price, pay-as-you-go is cheaper. Between the
subscription price and the quota, you pay the flat subscription and the
rest is saving.
The plan grants one monthly budget for the whole mix. We cannot know the order in
which you draw from each model, so the calculator assumes the list order; use the
arrows to approximate your own pattern. Usage above a model's own quota, or
beyond the pool, is not covered: choose what the usage above the plan is paid at:
the plan's own fallback route (the pay-as-you-go market its gateway publishes,
where there is one; otherwise the listed rate), the cheapest pay-as-you-go rate
found for it, or the cheaper of the two.
The calculator reads the same data as the main table. It recomputes on every
change.
Open How the plan quota is consumed to see each model's share of the plan
quota and its pay-as-you-go excess, and Effective rates (listed vs effective)
for the listed-versus-effective table. Both panels start collapsed to keep the
calculator compact.
Model prices differ by provider. The same model can cost several times more on
one endpoint than another. Peak, off-peak and flex tiers are separate rows.
Cheapest providers
Variant
Plan
Pricing /1M
Monthly quota
Input
Output
Cached read
DeepSeek V4.1 Flash Free
OpenCode ZenOpenCode
$0
$0
$0
โ
DeepSeek V4.1 Flash 1017
OpenRouter APIOpenRouter
$0.006
$0.5
$0.005
โ
DeepSeek V4.1 Flash
OpenRouter APIOpenRouter
$0.006
$0.5
$0.005
โ
DeepSeek V4.1 Flash
Portal PlusNous Portal
$0.006
$0.5
$0.005
$22 of usage credits ยท $10 rollover cap
DeepSeek V4.1 Flash
Portal SuperNous Portal
$0.006
$0.5
$0.005
$110 of usage credits ยท $50 rollover cap
DeepSeek V4.1 Flash
Portal UltraNous Portal
$0.006
$0.5
$0.005
$220 of usage credits ยท $100 rollover cap
DeepSeek V4.1 Flash 1017
OpenRouter APIOpenRouter
$0.022
$0.4
$0.004
โ
DeepSeek V4.1 Flash
OpenRouter APIOpenRouter
$0.022
$0.4
$0.004
โ
DeepSeek V4.1 Flash 1017
OpenRouter APIOpenRouter
$0.024
$0.7
$0.005
โ
DeepSeek V4.1 Flash
OpenRouter APIOpenRouter
$0.024
$0.7
$0.005
โ
The table ranks providers by their listed rate (the price you pay per token
on pay-as-you-go, before any subscription scaling or fee). Each row links to the
gateway. Turn on Effective prices to see the rate with the fee
applied, or scaled down by a plan's quota; the ranking updates with it. Sales
tax is never included.
Subscription plans bundle many models. This table lists a plan's models with
their effective prices, cached reads and writes, and the monthly quota each
model draws from. Use the selector to switch plan, and click a column header to
sort.
The cheapest plan is the one that matches your usage. DeepFrugal shows both
numbers side by side, so you can decide with data instead of marketing copy.
The usage above the plan is paid separately, at the overflow base: the plan's own fallback route where its gateway publishes a pay-as-you-go market, otherwise the listed rate. The plan covers the pool; you pay for the rest.