Between your phone, bills, food, fuel, and all the streaming services, another monthly subscription probably isn’t high on your wish list – especially when the thing asking for your money already lets you use it for free. Like, incidentally, free AI.
Paid AI can be worth it, though. If it helps you finish work or get through the admin you keep putting off, there’s a reasonable case for making room in the budget. The question is whether you need the paid version to do any of that.
I’ve ChatGPT and Claude as examples here, but the same questions apply to Gemini, Copilot, and other AI services. Which one you choose will depend on what you want help with.
If you mostly want dinner ideas, help rewording an email, or an explanation of something particularly baffling, start with a free account. Give it a few proper jobs before assuming you need an upgrade.
ChatGPT’s free plan includes text conversations, web search, and limited access to features such as file uploads and deep research. Claude’s free tier also includes web search, writing tools, and file creation, subject to usage limits.
Try giving it the scrappy notes for an email you’ve been avoiding. Explain who it’s going to, what you need to say, and how you want it to sound. Then see how much editing the result needs. That tells you considerably more than asking it to write a poem about your cat. Though you should still do the cat poem, of course.
If free does everything you need, lovely. Keep your money.
Start by checking what’s actually stopping you on the free plan. Have you run out of uploads halfway through a project, or do you need a tool your plan doesn’t include? If you simply don’t like the answers, try being more specific, or giving another free service a go before reaching for your wallet.
ChatGPT Plus, for example, adds access to advanced reasoning options and higher allowances for tools like file analysis. Claude Pro adds its Research feature and a wider choice of models. Both advertise monthly subscriptions at $20 in the US.
If you often find yourself comparing lengthy documents and work your way through a mountain of follow-up questions, higher allowances could save you having to stop halfway through. A more capable reasoning model might also cope better with a complicated task, like comparing quotes from builders whose prices cover different things. You should still check the details yourself, but it’ll make for a damn good start.
Paid plans still have limits, too. Look at the allowance for the feature you actually want, rather than assuming a subscription means you can hammer everything indefinitely. Check that it’s available in your country, and available on the device you’ll use.
A paid chatbot can still get things wrong, very often including inventing convincing-looking references. Paying doesn’t remove the need to open its sources or check that it’s understood your documents.
Say it produces a holiday itinerary in two minutes. If you then spend an hour fixing impossible journeys and discovering that half the attractions are closed on Tuesday, has it really made your life any easier?
The same applies to writing. A quick draft is helpful if it gives you something solid to work with. Having to repeatedly explain why a sentence makes no sense, though, can eat up all the precious the time you thought you’d saved.
There’s also something to be said for finally finishing a job you’ve been avoiding. Getting help organising a pile of notes into a presentation might be worth the subscription if you’d otherwise spend another week staring at them. That benefit counts even when it’s a personal project. It just needs to be something the free version couldn’t do well enough.
I’d try one service’s monthly plan when there’s something substantial to do. Pick a few real tasks beforehand, so you’ve got a reason to use it beyond seeing what the expensive buttons do.
Keep a quick note of what it helped you finish, where the paid features mattered, and how much correcting was involved. Set a reminder before renewal and check the cancellation deadline. I wouldn’t commit to an annual plan while still working out whether I liked the thing.
By renewal time, you should know whether the paid features helped enough to justify another payment. If you barely noticed the difference from free, cancel it. You can always come back when you’ve got another job for it.
