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Provider comparison · claude-vs-kimi

Claude vs Kimi

Claude is a provider with 3 fixed-price plans from $20 to $200/mo (Pro, Max and Ultra) covering 5 tracked models. Plans are locked to the provider's own Claude Code. One of 3 tiers carries a discounted billing option. Kimi is a provider with 4 fixed-price plans from $19 to $199/mo (Plus, Pro, Max and Ultra) covering 5 tracked models. Plans expose OpenAI-compatible endpoints usable by any agent. Every tier carries a discounted billing option.

Shared models

0

Claude plans

3

Kimi plans

4

Only on one side

10

In 30 seconds

Claude vs Kimi: 0 shared models across the two catalogs. 3 plans from $20 to $200/mo for Claude; 4 plans from $19 to $199/mo for Kimi. Claude plans are locked to the provider's own tools; Kimi plans expose OpenAI-compatible endpoints usable by any agent (BYOK). Compare requests per $1 for any shared model in the calculator.

Evidence

Shared models — best requests per $1 on each side

Computed at build from the same cost rules the calculator renders · typical request shape · ~ proxy estimate · ≈ coarse estimate · ≥ cache floor · ≤ cache ceiling

ModelClaude · Req/$1Kimi · Req/$1

“n/a” = the provider publishes no price structure for that model — the calculator renders the same honest n/a. Shared-model names link to the calculator for the full cross-provider sort.

Plans & value

Claude vs Kimi — plans, prices and usage budgets

ClaudePro from $20/mo
  • Pro4 models$20/mo
  • Max4 models$100/mo
  • Ultra4 models$200/mo
KimiPlus from $19/mo
  • Plus3 models$19/mo
  • Pro5 models$39/mo
  • Max5 models$99/mo
  • Ultra5 models$199/mo

Full plan tables

Every plan, verified 01 Nov 2026

Claude plans

Provider / planProvider and subscription tier. Badges and plan notes appear below.PriceStandard monthly price in USD, before first-month promotions.Top modelsFlagship models included in the plan. The list is approximate; '+N more' opens the full catalog.Coding toolCoding tool included with the plan. 'only' means locked to the vendor's own tools — the supported set is listed next to the badge; '+others' means it also works elsewhere.SubscribeOpen provider pricing. Referral links may support TokenPlans at no extra cost.
ClaudeProiYearly/Quarterly — Yearly: $17/mo, $200 billed up frontClaude Fable 5 / Fable 5.1 are usage-credits-only on Pro (billed at API rates on top of the plan) — Fable is included usage on Max / Ultra at 50% of the weekly limit; Anthropic’s Usage Policy (effective 2026-11-12) prohibits reselling, proxying or otherwise providing access to Claude through unauthorized means, including “services that route requests through consumer subscriptions or misrepresent the product or client being used” (anthropic.com/legal/aup, read 2026-10-21)≥5× Free · 5h rolling window + weekly cap$20.00Claude Fable 5.1Claude Fable 5Claude Sonnet 5+1 more ↗Claude Code ↗onlySubscribe↗

2026-10-30 · r/ClaudeCode: 5-hour windows drain inside half an hour and come back already spent, with a user relaying first-line support admitting the allowance history — "as soon as it resets, usage limit is straight away 20% used already. How does this make sense?" Support stated the May–August 50% weekly boost ended in September with a 25% raise kept, which that user says has now gone too. source ↗

ClaudeMaxClaude Fable 5 / Fable 5.1 are included on Max but draw only 50% of the weekly limit (claude.com/pricing “Models and usage” matrix, read 2026-10-06); the plan also grants $100/month in Claude Platform API credits for building on the API — a separate budget from the plan’s Claude Code usage (anthropic.com/pricing “Monthly API credits”, read 2026-10-14); Anthropic’s Usage Policy (effective 2026-11-12) prohibits reselling, proxying or otherwise providing access to Claude through unauthorized means, including “services that route requests through consumer subscriptions or misrepresent the product or client being used” (anthropic.com/legal/aup, read 2026-10-21)5× Pro every 5 hours and every week · Claude Fable 5 / Fable 5.1 capped at 50% of the weekly limit$100.00Claude Fable 5.1Claude Fable 5Claude Opus 5.5+1 more ↗Claude Code ↗onlySubscribe↗

2026-10-28 · r/ClaudeCode: a 100-dollar subscriber loses 73% of the week in two days on coordinator sessions that are 97-98% cache reads — "paying $100/month and potentially being unable to use Claude Code normally for most of the week after just two days feels ridiculous" source ↗

ClaudeUltraClaude Fable 5 / Fable 5.1 are included on Ultra but draw only 50% of the weekly limit (claude.com/pricing “Models and usage” matrix, read 2026-10-06); the plan also grants $200/month in Claude Platform API credits for building on the API — a separate budget from the plan’s Claude Code usage (anthropic.com/pricing “Monthly API credits”, read 2026-10-14); Anthropic’s Usage Policy (effective 2026-11-12) prohibits reselling, proxying or otherwise providing access to Claude through unauthorized means, including “services that route requests through consumer subscriptions or misrepresent the product or client being used” (anthropic.com/legal/aup, read 2026-10-21)No 5-hour limit (verified accounts) · 10× Pro every week · Claude Fable 5 / Fable 5.1 capped at 50% of the weekly limit$200.00Claude Fable 5.1Claude Fable 5Claude Opus 5.5+1 more ↗Claude Code ↗onlySubscribe↗

2026-10-26 · r/ClaudeAI: an x20 subscriber's steady workload eats the week faster than it did before Opus 5.5 — "forced to use ultra on several projects the reset day to be able to take advantage of my x20 plan" source ↗

Kimi plans

Provider / planProvider and subscription tier. Badges and plan notes appear below.PriceStandard monthly price in USD, before first-month promotions.Top modelsFlagship models included in the plan. The list is approximate; '+N more' opens the full catalog.Coding toolCoding tool included with the plan. 'only' means locked to the vendor's own tools — the supported set is listed next to the badge; '+others' means it also works elsewhere.SubscribeOpen provider pricing. Referral links may support TokenPlans at no extra cost.
KimiPlusiYearly/Quarterly — Yearly: $180/yr ($15/mo)1× agent credits · one pool shared with Kimi Code · rolling 5-hour rate window$19.00Kimi K3.1 ProKimi K3Kimi K2.8 PreviewKimi Code ↗+othersSubscribe↗
KimiProiYearly/Quarterly — Yearly: $372/yr ($31/mo)2× agent credits · one pool shared with Kimi Code · rolling 5-hour rate window · 1M context$39.00Kimi K3.1 ProKimi K3Kimi K2.8 PreviewKimi Code ↗+othersSubscribe↗

2026-10-28 · r/kimi: an accidental 372-dollar annual Pro purchase gets no refund and no billing-period change, only auto-renew cancelled — "My purchase does not qualify for a refund under their policy." source ↗

KimiMaxiYearly/Quarterly — Yearly: $948/yr ($79/mo)5× agent credits · one pool shared with Kimi Code · rolling 5-hour rate window · 1M context$99.00Kimi K3.1 ProKimi K3Kimi K2.8 PreviewKimi Code ↗+othersSubscribe↗

2026-10-15 · r/kimi: single commenter: the Max tier's code quota reads as shrunk since the pools merged — "Before this change, Allegro's Code quota was so generous that in practice it felt unlimited for K3 (plus coding on high/max)." source ↗

KimiUltraiYearly/Quarterly — Yearly: $1,908/yr ($159/mo)10× agent credits · one pool shared with Kimi Code · rolling 5-hour rate window · 1M context$199.00Kimi K3.1 ProKimi K3Kimi K2.8 PreviewKimi Code ↗+othersSubscribe↗

2026-10-25 · r/kimi: single commenter: a China-region top-tier user measures Ultra as no capacity gain for +$100 — "I burned through my 5 hour window multiple times (each time in about an hour)" / "If I "upgrade" to Ultra, I will no longer have a weekly limit but I will have the same monthly token limit and be paying $100 more per month." source ↗

Coverage

Model coverage — 0 shared, 5 only on Claude, 5 only on Kimi

Shared · both catalogs · links open the calculator

Claude only

Claude Fable 5.1Claude Fable 5Claude Sonnet 5Claude Opus 5.5Claude Opus 4.8

Kimi only

Kimi K3.1 ProKimi K3Kimi K2.8 PreviewKimi K3.1 Pro HighspeedKimi K2.7 Code HighSpeed

Common questions

Which is cheaper: Claude or Kimi?

Claude starts at $20/mo (Pro) and Kimi at $19/mo (Plus). The cheapest plan is not always the best value — compare Req/$1 in the calculator.

How many models do Claude and Kimi share?

None — Claude and Kimi cover disjoint flagship sets, so there is no model both providers price. Compare per-plan value for your model in the calculator instead.

Can I use Claude or Kimi with any agent (BYOK)?

Claude plans are locked to the provider's own tools; Kimi plans expose OpenAI-compatible endpoints usable by any agent (BYOK).

What does Req/$1 mean?

Req/$1 is the number of typical coding requests one dollar buys on a plan — computed from the plan’s published budget, the model’s published per-token rates and a typical request shape (roughly 850 input tokens, 49,000 cached tokens, 160 output tokens where the provider publishes no shape). Proxy estimates are marked with ~. A figure marked ≥ is a cache floor: the plan publishes no cached-read rate, so cached tokens bill at the input rate and the real figure is that number or higher.

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