I like the idea of a single chat with many models. Pre-AI-everything, I was already a Kagi user, so already paying for that. I've started using the Kagi Assistant[0] to solve this for myself. I pay $10/month, as I always did, and that's my credit limit to the various LLMs. They added an AI cost tracker to create transparency to those costs. So far this month I've used $0.88 of my $10.00 allotment. So I don't feel like I'm in any danger of going over. If I wasn't already paying for this, I'd be pretty interested in an option that was pay-as-you-go.

Looking at your pricing I find the credit model a bit confusing. It feels like credit card points and I don't really have a concept of what that will get me. Tokens are a bit abstract, but that's the currency of AI, so it is what it is. Adding credits as an intermediary between tokens and dollars may have been done with the goal of simplify things, but it my head it makes it harder to understand and leaves more places for hidden fees to hide.

Giving some idea of how much usage someone could expect to get out of a 1,000 tokens or 100 credits or $1 would be useful. I can do the math and see I can do 20 web searches for $1, but does that include follow up questions? Is every question a web search? Kagi shows that I've used 15 searches so far today, and it's cost me less than 2¢ for the almost 19k tokens. So I'm a bit confused.

More generally on the chat-only umbrella tools, I do miss some of the nice-to-have options of going directly with the big players (interactive code editors, better images generation, etc), but not enough to be paying $20+/month/service.

[0] https://kagi.com/assistant

I've been using openrouter.ai to use "all llm's". No subscription, and can be tied to your editor of choice