Hey man, here's how to properly spend your 50 bucks and get the most bang for the $$:
opencode go - $10 a month gets you decent allowance with latest GLM, MiniMax, and Kimi.
Windsurf - $20 gives u access to nearlly all models.
For me, I'm having these two subscriptions plus: shared Codex plans & shared Kimi coding Allegretto from Chinese resellers for around $10.
I only use the Claude Opus/Sonnet inside Windsurf after everything is crystal clear, or I want to let it handle tricky stuff where other models can't address. I use GLM/Kimi for everything else. And Windsurf offers free models all the time.
It's all over Chinese Taobao. biggest catch would be that all of the sutff is in Chinese, they have an international version in english but if you run into issues and have to talk to the seller, 99% of them don't speak Chinese but with AI translation that won't be a problem. you can even get Claude Code shared plan there as well, what they do is to buy the MAX plan and then have a couple people sharing it, which on average still beats your $20 Pro plan's allowance.
You can also add Google’s AntiGravity into the bunch. They have free allowances of Claude and Gemini 3.1 Pro there ready right after install & login. & you can also get cheap Google AI Pro shared plans there as well, just to get higher allowance on all these models.
There are many ways to get around the session limit, gotta be creative.
Update: Windsurf has just made a shitty move by changing their pricing structure from credits to rolling window percentages, not sure if it's better or worse, free models are still there & I haven't hit any rate limit so far.
You can swicth to Sonnet 4.6. It is even an fantastic model for coding, without changing you subscription.
Here the 5 hours window limit is much more larger, if using it with specific tasks.
If you want to change the LLM, my advice is Kimi K2 that's much more chip and very skilled for coding.
(you are right: Opus is a very token-consuming even in my experience, but often it is over-skilled and you don't need it)
Cursor – $20/month
Kilocode plugin (inside Cursor) – Free models
Google Antigravity Pro
Opencode – Free models
Workflow
- Backend Development
Use Cursor for major backend tasks
Flow: Plan → Execute
- Frontend Development
Use Google Antigravity Pro for major frontend tasks
Flow: Plan → Execute
- Minor Tasks & Bug Fixes
Use:
Opencode
Kilocode (inside Cursor)
Remote / On-the-Go Setup
A Telegram-configured Opencode instance is set up on mobile
Used for:
Minor tasks
Quick fixes while away from the system
GitHub Copilot Pro plus gives you access to many models and if you use them a lot, Microsoft loses money (though they can brag about one more active user and get your data).
It doesn’t give you the largest context windows, but most models perform poorly when the context is very big so it’s not a dealbreaker to me.
Codex? I know OpenAI is really politically unpopular right now, but it has very high usage limits for the $20 plan. Claude ($20) and Codex ($20) are hard to beat in terms of pure value. Just set Codex on Thinking-High/Extra-High, and it is Opus 4.6 levels for sure (although both have their niche, where they're superior).
Claude for the default 5-hour limits. Cursor for the monthly limits when those run out. Cursor is one of the more efficient ones for dumb uses... if you're typing out your own tests, it should work great.
A lot of people recommend OpenAI Codex lately, but I feel it's more suited to vibe coding, where you're giving it a very high level idea.
Given the hard budget, I'd throw the $30 on API credits and use those as overflow. If you can do the $100 plan though, that would be optimal. It's a frustrating game though. I'd love to see a 50 dollar plan. At least Claude has a 100 plan, unlike openai.
I did try Extra Usage and API credits with Claude and it chews through $5 in minutes. Unlike GPT, the subscription is a better deal. I definitely do not recommend API credits and such. It's more efficient to use Claude through some other provider like Antigravity, Cursor, and so on.
Whoa, if you're using it that much, you should definitely look at the $100 plan. Either that, or you'll have to use an older model or reduce thinking (which does really tank the quality of results unfortunately) or look at a local model. I don't think there's really many other options.
For a while I did a $20 sub to both OpenAI and Claude and just switched back and forth. I was able to get pretty far that way, but it can feel a bit disruptive.
Get a few GitHub Copilot accounts at 10 bucks each and use OpenAI models, they have very high usage limits I honestly struggle to even hit with one 10 dollar subscription.
Right now I think GPT 5.4 beats Opus 4.6 and everything else. I get a lot from just the $10 Github Copilot, somehow it hasn't run out yet and i've been going at it insane everyday
windsurf has already switched to the standard billing method. Cursor's self-developed models are quite cost-effective.
The most cost-effective one is Codex, the only downside is that it's not good at writing front-end code
opencode go - $10 a month gets you decent allowance with latest GLM, MiniMax, and Kimi. Windsurf - $20 gives u access to nearlly all models.
For me, I'm having these two subscriptions plus: shared Codex plans & shared Kimi coding Allegretto from Chinese resellers for around $10.
I only use the Claude Opus/Sonnet inside Windsurf after everything is crystal clear, or I want to let it handle tricky stuff where other models can't address. I use GLM/Kimi for everything else. And Windsurf offers free models all the time.
You can also add Google’s AntiGravity into the bunch. They have free allowances of Claude and Gemini 3.1 Pro there ready right after install & login. & you can also get cheap Google AI Pro shared plans there as well, just to get higher allowance on all these models.
There are many ways to get around the session limit, gotta be creative. Update: Windsurf has just made a shitty move by changing their pricing structure from credits to rolling window percentages, not sure if it's better or worse, free models are still there & I haven't hit any rate limit so far.
If you want to change the LLM, my advice is Kimi K2 that's much more chip and very skilled for coding.
(you are right: Opus is a very token-consuming even in my experience, but often it is over-skilled and you don't need it)
Cursor – $20/month Kilocode plugin (inside Cursor) – Free models Google Antigravity Pro Opencode – Free models
Workflow - Backend Development Use Cursor for major backend tasks Flow: Plan → Execute - Frontend Development Use Google Antigravity Pro for major frontend tasks Flow: Plan → Execute - Minor Tasks & Bug Fixes Use: Opencode Kilocode (inside Cursor)
Remote / On-the-Go Setup A Telegram-configured Opencode instance is set up on mobile Used for: Minor tasks Quick fixes while away from the system
It doesn’t give you the largest context windows, but most models perform poorly when the context is very big so it’s not a dealbreaker to me.
A lot of people recommend OpenAI Codex lately, but I feel it's more suited to vibe coding, where you're giving it a very high level idea.
Whoa, if you're using it that much, you should definitely look at the $100 plan. Either that, or you'll have to use an older model or reduce thinking (which does really tank the quality of results unfortunately) or look at a local model. I don't think there's really many other options.
For a while I did a $20 sub to both OpenAI and Claude and just switched back and forth. I was able to get pretty far that way, but it can feel a bit disruptive.
Free runs out in two, yes two uses on peak hours, on Claude Sonnet.
The basic paid has 5x the use, which hits the limit at 10 uses. The $100 plan is 5x of this, which is still a limit at 50 uses on Sonnet.
At one point, Cursor would give you the same usage limits as the $200 plan, but now the pricing has changed.
The reason I switch is because something always breaks with these AI providers, Anthropic being a common offender.