I use LLMs for code at work, but I've been a bit hesitant to dive in for side projects because I'm worried about the cost.

Is it necessary to pay $200/mo to actually ship things or will $20/mo do it? Obviously I could just try it myself and see how far I get bit I'm curious to hear from someone a bit further down the path.

The $20/mo subscription (Claude Code) that I've been using for my side projects has been more than enough for me 90% of the time. I mostly use the cheaper models lately (Haiku) and accept that it'll need a bit more intervention, but it's for personal stuff and fun so that's ok. If you use VSCode, Antigravity or another IDE that's trying to market their LLM integration, then you'll also get a tiny allowance of additional tokens through them.

I'll use it for a few hours at a time, a couple days a week, often while watching TV or whatever. I do side projects more on long rainy weekends, and maybe not even every week during the summer. I'll hit the limit if I'm stuck inside on a boring Sunday and have an idea in my head I really wanted to try out and not stop until I'm done, but usually I never hit the limit. I don't think I've hit the limit since I switched my default to Haiku FWIW.

The stat's say I've generated 182,661 output tokens in the last month (across 16 days), and total usage if via API would cost $39.67.

You can use Gemini for free. Or enable the API and pay a few bucks for variable usage every month. Could be cents if you don't use it much like me

Check out the Google One AI Pro plan ($20/mo) in combination with Antigravity (Google's VS Code thingy) which has access to Opus 4.5. this combo (AG/AI Pro plan/Opus 5.5) is all the rage on Reddit with users reporting incredibly generous limits (which most users say they never meet even with high usage) that resets every 5 hours.

$20 is fine. I used a free trial before Christmas, and my experience was essentially that my code review speed would've prevented me doing more than twice that anyway… and that's without a full time job, so if I was working full time, I'd only have enough free time to review $20/month of Claude's output.

You can vibe code, i.e. no code review, but this builds up technical debt. Think of it as a junior who is doing one sprint's worth of work every 24 hours of wall-clock time when considering how much debt and how fast it will build up.

Depending on how much you use, you can pay API prices and get pretty far for 20 bucks a month or less. If you exhaust that, surprisingly, I recommend getting Gemini with the Google AI pro subscription. You can use a lot of the Gemini CLi for that

In practice, I find it depends on your work scale, topic and cadence.

I started on the $20 plans for a bit of an experiment, needing to see about this whole AI thing. And for the first month or two that was enough to get the flavor. It let me see how to work. I was still copy/pasting mostly, thinking about what to do.

As i got more confident i moved to the agents and the integrated editors. Then i realised i could open more than one editor or agent at a time while each AI instance was doing its work.

I discovered that when I'm getting the AI agents to summarise, write reports, investigate issues, make plans, implement changes, run builds, organise git, etc, now I can alt-tab and drive anywhere between 2-6 projects at once, and I don't have to do any of the boring boiler plate or administrivia, because the AI does that, it's what its great for.

What used to be unthinkable and annoying context switching now lets me focus in on different parts of the project that actually matter, firing off instructions, providing instructions to the next agent, ushering them out the door and then checking on the next intern in the queue. Give them feedback on their work, usher them on, next intern. The main task now is kind of managing the scope and context-window of each AI, and how to structure big projects to take advantage of that. Honestly though, i don't view it as too much more than functional decomposition. You've still got a big problem, now how do you break it down.

At this rate I can sustain the $100 claude plan, but honestly I don't need to go further than that, and that's basically me working full time in parallel streams, although i might be using it at relatively cheap times, so it or the $200 plan seems about right for full time work.

I can see how theoretically you could go even above that, going into full auto-pilot mode, but I feel i'm already at a place of diminishing marginal returns, i don't usually go over the $100 claude code plan, and the AIs can't do the complex work reliably enough to be left alone anyway. So at the moment if you're going full time i feel they're the sweet spot.

The $20 plans are fine for getting a flavor for the first month or two, but once you come up to speed you'll breeze past their limitations quickly.

I have a feeling you are using SOTA models at work and aren't used to just how cheap the non-Anthropic/Google/OAI options are these days. GLM's coding subscription is like $6/month if you buy a full year.

You can use AI code editor that allows you to use your own API key, so you pay per-token, not a fixed monthly fee. For example Cline or Roo Code.