The $20 AI plans, side by side
Prices last checked 2026-10-15–2026-10-16, from official provider websites.
The most popular paid tier sits around US$20 a month: Claude Pro (US$20.00/month (USD) · CA$28.00/month (CAD)); ChatGPT Plus (US$20.00/month (USD) · no official CAD price (CAD)); Google AI Pro (US$19.99/month (USD) · CA$26.99/month (CAD)); Microsoft 365 Premium (US$19.99/month (USD) · CA$27.00/month (CAD)); Perplexity Pro (no official USD price (USD) · no official CAD price (CAD)); Mistral Pro (US$14.99/month (USD) · no official CAD price (CAD)). Perplexity lists only an annual-billing price per month (US$17).
| Provider | Plan | Monthly billing USD · CAD | Annual billing per month, or per year where that's all the provider lists USD · CAD | Models | Limits | Best for | Sources & checked |
|---|---|---|---|---|---|---|---|
| Anthropic | Claude Pro Cheapest paid | US$20.00CA$28.00 | US$17.00CA$24.00 CA$280.00/yr | Opus, Sonnet, Haiku; Fable via usage credits | ≥5x Free per 5h session + weekly limits; context up to 1M (varies) | Writers, coders | USD: claude.com CAD: claude.ai |
| OpenAI | ChatGPT Plus Cheapest paid | US$20.00No official CAD price | No annual option listed | GPT-6.1 Sol, GPT-6 Astra, GPT-6 Sol, GPT-6 Luna, GPT-5.6 Sol/Terra/Luna, GPT-5 Thinking Mini | Expanded messages/uploads/deep research/Codex; 54K Instant / 256K reasoning context | Most power users | USD: learn.chatgpt.com CAD: – |
| Google AI Pro Cheapest paid | US$19.99CA$26.99 | No annual option listed | Gemini 4 Argon, Pro model, Flash | 4x Free limits; 1M context; 1,000 Flow credits; US$10/mo Cloud credits | Google users | USD: one.google.com CAD: one.google.com | |
| Microsoft | Microsoft 365 Premium Cheapest paid | US$19.99CA$27.00 | US$199.99/yrCA$270.00/yr | Microsoft-selected models | Extensive Copilot usage; limited agentic research; owner-only AI; 1-6 people, 2 TB shared | Office power users | USD: microsoft.com CAD: microsoft.com |
| Perplexity | Perplexity Pro | No official USD priceNo official CAD price | US$17.00No official CAD price | Advanced models incl. GPT/Gemini/Claude; model choice | Higher limits; up to 50 files/project; limited Create files/apps; 4,000 bonus credits | Researchers | USD: perplexity.ai CAD: – |
| Mistral | Mistral Pro Cheapest paid | US$14.99No official CAD price | No annual option listed | Mistral Medium etc. | More messages/searches; up to 40x Free image gens; Flash answers 150/day | Budget coders | USD: mistral.ai CAD: – |
USD and CAD are separate official prices; we never convert. "No official CAD/USD price" means none was found on an official page or listing.
FAQ
Which $20 plan is cheapest?
On monthly USD billing, Mistral Pro (US$14.99/month (USD) · no official CAD price (CAD)) is the cheapest here; Claude Pro is US$17 a month if billed annually.
Which has official Canadian prices?
Claude Pro CA$28.00; Google AI Pro CA$26.99; Microsoft 365 Premium CA$27.00.
Which is best?
It depends on what you do. See the verdict above and our model rankings.
Is it cheaper to subscribe in the app?
Often not. Buying through the iPhone or iPad app can cost more because of App Store fees. Subscribe on the provider's website and use the same account in the app. See how to switch.