I currently pay for $20/m ChatGPT/Claude subscription. I currently put about $20-30/m into my OpenRouter account.

I find this to be a pretty good split for all my side projects. A real developer wouldn't find this sufficient I would imagine but with the recent discounts on ChatGPT 5.6 Luma and Deepseek Flash V4 0731, I tend to have plenty of left off.

I might be an odd case, tech stuff is my hobby so I enjoy playing with these tools. I do not have any media subscriptions (no Netflix, Amazon, etc) but 20-50$ a month isn't bank breaking.