Which AI should I pay for? Probably just one. Pick by where you already work, and upgrade only after you hit the free limit twice. This map shows which one, with every US price dated and sourced.

What you get

• The guide (29-page PDF, built for phones)
• One-page “best tool for each job” answer
• Price table: ChatGPT, Claude, Gemini, Grok, Perplexity, Copilot, Midjourney
• Honest profiles: strong at, weak at, pick it if
• 4 budget setups from $0 to $50 a month, plus 6 test prompts

Who it’s for: people without a tech degree deciding what to pay for. Not for: developers after API pricing.

FAQ
Do I need more than one AI subscription? Most people don’t. One main assistant plus a free plan is enough.
What’s the cheapest paid AI plan? Google AI Plus at $4.99 a month, then ChatGPT Go and Grok Plus at $8 (US, October 2026).
Will it go out of date? Prices change, so each is dated and buyers get free updates to this edition.
Can I read it on my phone? Yes. Every page is laid out for phone screens.
Is this sponsored? No. No company paid for placement.

Want every guide? The All-Guides Bundle has every paid Late to AI guide for $79, and new guides are added to it at no extra cost.

Facts checked October 25, 2026. No income claims. One-time purchase: download it and keep it. Instant downloads aren’t refundable, except when a file is broken or doesn’t match the description.

Unofficial. Not affiliated with xAI, X, OpenAI, Anthropic or Google. Questions: imlatetoai@gmail.com