How Much Do AI Subscriptions Cost in 2026? Yearly Totals for Popular AI Tools, and What Paying Once Saves

Eleven popular AI subscriptions cost $1,234.70 a year together on their cheapest plans, and $1,589.40 if you pay month to month. Pay for just one tool per job, say Granola, Wispr Flow, Rize, Paste, 1Password and ChatGPT Plus, and it's still $749.75 every year. Off Grid AI covers those six jobs with one payment. Private chat is free, and Pro adds the rest for $119 once, less than one year of ChatGPT Plus alone.

We make Off Grid AI. Every rival price below comes from that product's own pricing page, checked 14 November 2026, and is linked next to the number.

Get Pro for $119 once · Download Off Grid AI

A meeting summary in Off Grid AI Desktop, written by a model on your computer. With Pro, it does the job of a notetaker that costs $99.96 to $168 a year.

What 11 AI subscriptions cost in 2026

Prices are for one person, in US dollars, before tax. "Yearly cost" uses the cheapest way each product lets you pay, so these totals are as low as they get.

Checked 14 November 2026 on each linked page. ChatGPT, Granola, Otter, Fireflies, Wispr Flow, Superwhisper and Raycast also have free plans with limits. Otter showed a 50% first-time offer on Pro that day; we used its listed price. Superwhisper also sells Pro for $249.99 lifetime, and Paste lists a lifetime plan without a price on its page.

Rewind is gone. Meta bought Limitless, the company that made Rewind. Limitless says it no longer sells to new customers and is sunsetting non-Pendant features like Rewind, and the rewind.ai address now sells token packs for a different product. That's why it has no price in the table.

What a normal stack costs per year

You only need one notetaker. Here's what one tool per job costs, on the cheapest yearly plans.

Over three years the popular stack is $2,249.25 and the cheapest one is $1,760.46, if no price goes up. Off Grid AI Pro is $119 once, and one key covers up to 5 of your devices. If you'd rather spread it out, it's $7.99 a month.

Why one app can charge once

Cloud AI tools pay for a server every time you ask them something, so they have to bill you every month. Off Grid AI runs the models on your own computer and phone, so your answers cost nobody a server bill and there are no usage fees. You need the internet once, to download the app and your models and to activate Pro. We explain the economics in the case against cloud AI subscriptions.

What you get for each job

• AI chat, free. Off Grid AI Desktop (OGAD) and Off Grid AI Mobile (OGAM) chat with open models you download, answer from your PDFs with the source shown, and take voice in and out. No account.
• Meeting notes, Pro. OGAD records Zoom, Teams and Google Meet calls without a bot joining, transcribes them on your computer and writes the summary and follow-ups. No minute caps.
• Dictation, Pro. Talk and the text lands in any app on Mac, Windows and Linux.
• Time tracking, Pro. Reflect shows your day and week by project, app and person, with no timers to start.
• Screen memory, Pro. Memory keeps your screens, meetings, mail and documents searchable on your disk, which is the job Rewind used to do.
• Clipboard, Pro. A searchable history of text, links, images and files, and Sync sends copied text between your phone and computer over your own network.
• Passwords, Pro. Vault holds logins, cards and private files, encrypted on one computer.

OGAD needs a Mac with Apple silicon, Windows, or Linux on x64 with Ubuntu 24.04 or newer. The app shows which models fit your machine before you download one.

Where the subscriptions do a better job

• Hard reasoning and deep research. ChatGPT Plus runs OpenAI's GPT-6 reasoning models on OpenAI's servers. A model that fits on your laptop is smaller, so keep Plus if you live in long research reports.
• Anything on your phone. Off Grid AI's dictation, meetings, Reflect and Vault run on your computer. Wispr Flow and Superwhisper have phone apps, Otter and Fireflies record on iOS and Android, and 1Password works on every device. OGAM has no vault.
• Teams. Granola Business, Fireflies and Otter Business have shared workspaces and team admin. Off Grid AI Pro is for one person.
• Focus blocking and client timesheets. RescueTime blocks distractions in Focus Sessions, and Rize and RescueTime have billing reports. Reflect shows where your time went but blocks nothing.
• A launcher. Raycast opens apps, manages windows and runs extensions. Off Grid AI doesn't replace any of that.
• A slow computer. Cloud tools run on any laptop because their servers do the work. Off Grid AI's speed depends on the machine you have.

FAQ

How much do AI subscriptions cost per year in 2026?
Eleven popular ones, from ChatGPT Plus to Granola and Wispr Flow, cost $1,234.70 a year together on their cheapest plans, and $1,589.40 if you pay month to month. One tool per job, Granola, Wispr Flow, Rize, Paste, 1Password and ChatGPT Plus, comes to $749.75 a year. Prices are from each product's own page, checked 14 November 2026.

How much is ChatGPT Plus per year?
$240. OpenAI's help page lists Plus at $20 a month, billed monthly, and says there is no annual plan or way to pay months in advance, so there is no yearly discount.

What is the cheapest paid AI meeting notetaker per year?
Of the three we checked, Otter Pro, at $8.33 a month billed yearly, or $99.96. Fireflies Pro is $120 a year and Granola Business is $168. Off Grid AI records and summarises meetings on your computer with Pro, for $119 once.

Is there a pay-once alternative to AI subscriptions?
Yes. Off Grid AI Pro is $119 once, for up to 5 devices, or $7.99 a month. It covers meetings, dictation, time tracking, clipboard and a password vault, and private chat is free. It can charge once because the models run on your own computer and phone.

Is Rewind AI still available?
No. Meta bought Limitless, the company behind Rewind. Limitless says it is sunsetting Rewind and no longer sells to new customers. Off Grid AI Memory keeps a searchable history of your screens and meetings on your own computer.

Related guides

• Which AI subscriptions can you replace with one app in 2026
• Best AI apps with a lifetime deal in 2026
• Granola vs Otter vs Fathom vs Fireflies vs Off Grid AI
• Rewind is gone: a private replacement

Get Off Grid AI Pro once and stop paying the same bill every month.