Which Model, Which Plan?

Big vs. small models

For hard or multi-step (agentic) tasks, a large, capable model pays off. For simple, fast, or very frequent tasks, a smaller model is usually enough - and it's faster and cheaper.

Subscription vs. API

A subscription (a fixed monthly flat rate) gives you predictable costs and pays off if you use it regularly and a lot. An API (pay per token) means you only pay for what you actually use - good for occasional use or your own apps and automations.

Practical advice

Start with whatever default your tool suggests. Only optimize once cost or quality actually becomes a real problem.

Models and prices change

Model names and prices change every few months (see Model Lifecycle). In your own notes or docs, link to a provider's live pricing page instead of hardcoding prices.