You should look into Kilo Pass by Kilo Code (https://kilo.ai/features/kilo-pass). It's basically a fixed subscription and your credits roll over each month, and you get free extra credits too which are used up first before paid credits. It's similar to paying for Cursor except the credits roll over which is why I'm contemplating moving to it, because I don't want to be locked into any one LLM provider the way Claude Code or Codex make you become.