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The Claude Insider’s Guide

Everything we know about Claude in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.

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ToolGPAOctober 2026

Claude

The Insider’s Guide

Anthropic's AI assistant for writing, analysis and coding

Claude, as pictured on claude.com

Every plan, grade, refund rule and rival among AI assistants, read from Claude’s own pages.

Made by Anthropic · checked Oct 4, 2026 · toolgpa.com

3.0GPA

Contents

  1. 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
  2. 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
  3. 03What it doesIts main features, where it runs, what it works with and who makes it
  4. 04Where it standsIts grades against its category, and whether to keep it or make your own
  5. 05After you payGetting your money back, getting out, and getting help
  6. 06The alternativesThe tools it is most often weighed against, side by side
  7. 07Quick answersThe questions people ask about it, each answered in a line or two
  8. 08About ToolGPAWho made this guide, what else is on the site, and how to cite it

ToolGPA put this guide together from Claude’s own pages, its app-store listings and our grades. Every fact in it is on Claude’s page too, where it is kept up to date. Checked Oct 4, 2026.

Part 01 · Overview

Welcome

What it is, who it suits, its grades and the ten things to know first

3.0

GPA, above 39 of the 57 other AI assistants we grade

Claude is Anthropic's AI assistant for writing, analysis, research and coding. It works as a chat on web, desktop and mobile, and can search the web, create files, run code and connect to tools such as Slack and Google Workspace. Paid plans raise the usage limits and add Projects, Research and Claude Code.

To get you started, here are 10 things to know about Claude, taken from its own pages and our grades.

The free plan searches the web, creates files, runs code and keeps memory between chats.
From our report card of Claude
  1. 1

    Best for writing, analysis and coding in one assistant

    Claude is Anthropic's assistant for writing, analysis and coding, on web, Mac, Windows, Linux, iPhone and Android.

  2. 2

    Paid plans start at $17 a month

    As its pricing page puts it: $17 per month with an annual subscription ($200 billed up front).

  3. 3

    There is a free plan

    Chat on web, desktop and mobile, web search, file creation and code execution, memory, app connectors and Artifacts. Usage resets on a rolling five-hour window and is lower than on paid plans.

  4. 4

    It runs on 6 platforms

    Web, macOS, Windows, Linux, iOS and Android, with a browser extension too.

  5. 5

    Chat for writing, analysis and code

    Write and edit content, generate code and visualize data in a conversation on the web, in desktop apps or on mobile.

  6. 6

    Files, code execution and Artifacts

    Claude can create files, run code and present generated content as Artifacts. All three are part of the Free plan.

  7. 7

    Web search and Research

    Web search is available on every plan. Research, for longer investigations, is listed with the paid plans.

  8. 8

    Refunds: no set window

    Anthropic's line is short: unless the terms or the law say otherwise, payments are not refunded. Cancelling does not get the month back, it only stops the next one.

  9. 9

    A 3.0 GPA, above 39 of 57

    That is against the other AI assistants we grade, on value, the free plan, features, ease of use and platforms.

  10. 10

    Keep it

    To replace Claude you would be making an AI model, which you can rent by the request but not make. That is not a weekend's work, with an AI app builder or without one.

Claude at a glance

Pricing
Free plan, from $17 per month with an annual subscription ($200 billed up front)
Free plan
Yes
Free trial
None stated
Runs on
Web, macOS, Windows, Linux, iOS, Android, Browser extension
Made by
Anthropic
Category
AI Assistants
Our grade
3.0 GPA, very good
Store rating
4.7 on the App Store, 273,694 ratings

The report card

Best for writing, analysis and coding in one assistant

Claude is Anthropic's assistant for writing, analysis and coding, on web, Mac, Windows, Linux, iPhone and Android. The free plan searches the web, creates files, runs code and keeps memory between chats. But every plan is capped in rolling five-hour sessions, paid plans add weekly limits, the first paid step is Pro at $17 a month billed annually, and payments are generally non-refundable.

ToolGPA report cardClaudeGraded Oct 10, 2026
SubjectGradeComment
Value for moneyCPro is $17 a month only if you hand over $200 for the year, and $20 if you pay monthly, which is where this category's dearest tenth begins. There's nothing cheaper in between, and even paid plans carry weekly limits.
Free plan and trialCThe free plan has web search, file creation, code execution, memory, connectors and Artifacts. But usage is capped in rolling five-hour sessions with no numbers given, and Research and Claude Code aren't in it.
FeaturesBChat for writing, code and data, with files, code execution and Artifacts, web search on every plan, Research for longer digs, memory between chats and Claude Code on the paid plans. No image generation and no voice mode, mind.
Ease of useA4.7 from about 273,700 App Store ratings. It's a chat box: type what you need and go. There's nothing to set up unless you want to connect your other apps.
Platforms and integrationsAWeb, Mac, Windows, iPhone, Android and a browser extension, plus a Linux desktop app still in beta. It connects to Slack, Google Workspace, Microsoft 365, Chrome, VS Code and JetBrains, and there's an API.
Grade point averageVery good, out of 4.03.0

An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.

Who Claude is for

  • Fits if you want writing, analysis and coding help from one assistant
  • Works for developers, as every paid plan includes the Claude Code agent

Who it is not for

  • Tight if you work in long bursts, since usage is capped in rolling five-hour sessions on every plan, and paid plans add weekly limits
  • Pricey if you wanted a small first step, as nothing sits between Free and Pro at $17 a month billed annually, $20 monthly
  • Not for you if you expect easy refunds, because payments are generally non-refundable and listed prices exclude tax
  • Watch out: Enterprise bills usage at API rates on top of the seat, and the Max 20x tier has no price on the pricing page
  • Skip it if you need image generation or a voice mode, as neither is on record, and the Linux app is still in beta

Good to know

Good for

  • Writing, analysis and coding help in one assistant
  • Developers who want a coding agent included in their subscription
  • Teams of 2 to 150 that need SSO and central billing

Worth knowing

  • Usage is capped in rolling five-hour sessions on every plan, and paid plans add weekly limits.
  • Projects, Research, Claude Code and the Chrome and Microsoft 365 extensions are not in the Free plan.
  • Enterprise bills usage at API rates on top of the seat price, and the Max 20x tier has no price on the pricing page.
  • Payments are generally non-refundable, listed prices exclude tax, and the Linux desktop app is in beta.

Part 02 · Pricing

What it costs

Every plan, the free plan, ways to pay less and how prices have moved

$17

A month to start. There is a free plan too

Claude has a free plan. Paid plans start at $17 per month with an annual subscription ($200 billed up front).

There's nothing cheaper in between, and even paid plans carry weekly limits.
From our grade for value for money
  • Free

    $0

    Chat on web, desktop and mobile, with web search, file creation, code execution, memory, connectors and Artifacts.

  • Pro

    $17

    per month, billed annually ($200 up front)

    More usage, Projects, Research, Claude Code, task scheduling, more models and Claude in Chrome and Microsoft 365. $20 if billed monthly.

  • Team

    $20

    per seat / month, billed annually

    For teams of 2 to 150, with SSO and central billing. $25 if billed monthly. Premium seats with 5x more usage are $100, or $125 monthly.

  • Enterprise

    $20

    per seat / month, billed annually, plus usage at API rates

    Team features plus spend limits, role-based access, SCIM, audit logs, a compliance API and custom data retention.

  • Max

    From $100

    per month

    Everything in Pro with a choice of 5x or 20x more usage, higher output limits, early access to features and priority at busy times.

The free plan

Chat on web, desktop and mobile, web search, file creation and code execution, memory, app connectors and Artifacts. Usage resets on a rolling five-hour window and is lower than on paid plans.

Read from claude.com on Oct 4, 2026.

Ways to pay less

  • Annual discount

    Lower price with annual billing

    Pro is $17 per month on an annual subscription ($200 billed up front) instead of $20 billed monthly. Team seats are $20 instead of $25, and premium seats $100 instead of $125.

    Stated on claude.com
  • Nonprofit

    Nonprofit Team pricing from $3 per user

    Registered 501(c)(3) organizations, their international equivalents and K-12 schools can get the Team plan for $8 per user / month, or $3 in low- or middle-income countries.

    Stated on claude.com
  • Education

    University-wide Education plan

    Anthropic offers institutions a university-wide plan covering students, faculty and staff at discounted rates, arranged through its Education team.

    Stated on claude.com
  • Startups

    Startup program with API credits

    Venture-backed startups founded within the last four years can apply for free credits and priority rate limits. Credits apply to the Claude API, not to chat subscriptions.

    Stated on claude.com

How its prices have moved

  • Feb 1, 2026Team: $25 per person / month, billed annually ($30 billed monthly) → $20 per seat / month, billed annually ($25 billed monthly)The archived copy of 1 February 2026 shows a standard Team seat at $20 a month on annual billing and $25 monthly; the copy before it, of 1 January 2026, shows $25 and $30. The price changed between the two.
  • Feb 1, 2026Team premium seat: $150 per person / month → $100 per seat / month, billed annually ($125 billed monthly)The archived copy of 1 February 2026 shows a premium Team seat at $100 a month on annual billing and $125 monthly; the copy before it, of 1 January 2026, shows a single price of $150. The price changed between the two.

What the app costs elsewhere

Each country’s App Store price for “Claude Pro - Monthly”, against $20.00 in the United States, in dollars at the day’s rate. The four cheapest and the four dearest of 11.

CountryPrice thereIn dollarsAgainst the US
IndonesiaRp 349ribu$19.52about the same
Canada$28.00$19.68about the same
Turkey₺999,99$20.34about the same
Philippines₱ 1,290.00$20.53about the same
South AfricaR399.99$24.1921% more
Germany22,00 €$24.6523% more
BrazilR$ 129,90$25.9530% more
United Kingdom£20.00$26.4432% more

Part 03 · Features

What it does

Its main features, where it runs, what it works with and who makes it

7

Places it runs: Web, macOS, Windows, Linux, iOS, Android and Browser extension

Anthropic's AI assistant for writing, analysis and coding. Here is what it does, as its own site describes it, and what it covers: public API, AI features, chat assistant, AI search.

No image generation and no voice mode, mind.
From our grade for features
Chat for writing, analysis and code
Write and edit content, generate code and visualize data in a conversation on the web, in desktop apps or on mobile.
Files, code execution and Artifacts
Claude can create files, run code and present generated content as Artifacts. All three are part of the Free plan.
Web search and Research
Web search is available on every plan. Research, for longer investigations, is listed with the paid plans.
Memory and Projects
Memory carries context across conversations on every plan. Projects, which organize chats and documents, start with Pro.
Connectors
Connect apps and tools such as Slack and Google Workspace, or add other context and tools through remote MCP connectors.
Claude Code
A coding agent for the terminal, VS Code and JetBrains. It is included in all paid plans and draws on the same usage pool as chat.

Where it runs

  • Web
  • macOS
  • Windows
  • Linux
  • iOS
  • Android
  • Browser extension

What it works with

  • Slack
  • Google Workspace
  • Microsoft 365
  • Google Chrome
  • VS Code
  • JetBrains

Claude is made by Anthropic.

Part 04 · Standing

Where it stands

Its grades against its category, and whether to keep it or make your own

39/57

Other AI assistants it is graded above

Claude's GPA of 3.0 is higher than 39 of the 57 other AI assistants we grade, and level with 8.

It stands best on platforms and integrations (A, above 45 of 57) and worst on value for money (C, above 5).

Its paid plans start at $17 a month, against a middle price of $10 for the category: 32 of the 38 others that charge start lower.

On features, ease of use and platforms it scores 3.7 out of 4. 2 tools score higher and cost less.

Each grade against the category

Every bar is all 58 AI assistants we grade, cut by the letter each got. Claude’s own letter is outlined.

  • CValue for moneyAbove 5 of 57
  • CFree plan and trialAbove 5 of 57
  • BFeaturesAbove 28 of 57
  • AEase of useAbove 44 of 57
  • APlatforms and integrationsAbove 45 of 57

Price against what you get

Each dot is one of 45 AI assistants. Further left costs less; higher up scores better on features, ease of use and platforms. Claude is the marked dot.

C2.0B3.0A4.0Free$2$5$10$20$50More for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessClaudeGeminiPoeChatboxLocally AIChatGPT

What paid plans start at, a month (each step along is roughly double) →

Keep it, or make your own?

Whether this is something you could build for yourself with an AI app builder, and what you would give up.

Keep it

To replace Claude you would be making an AI model, which you can rent by the request but not make. That is not a weekend's work, with an AI app builder or without one.

It is one of the better ones too: its GPA of 3.0 is higher than 39 of the 57 other AI assistants we grade. It costs $204 a year.

What you could not

  • An AI model, which you can rent by the request but not make.
  • A search engine with an AI model behind it.
  • Apps for macOS, Windows, Linux, iOS and Android that stay in step with each other.
  • It plugs into other products, Slack, Google Workspace and Microsoft 365 among them, and has an API.
  • The depth: we grade its features B, which means it covers the whole job.

What this rests on. Claude’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.

Part 05 · Refunds

After you pay

Getting your money back, getting out, and getting help

CRefunds
CSupport

What happens once you have paid: whether you can get your money back, how to leave, and how to reach a person when something goes wrong. Each is graded from Claude’s own terms and help pages.

Refunds and cancelling

CGrade

Ordinary · checked Oct 18, 2026

Anthropic's line is short: unless the terms or the law say otherwise, payments are not refunded. Cancelling does not get the month back, it only stops the next one. What you do get is a tidy exit, two clicks in Settings, with the paid plan running to the end of the period you bought. No refunds and an easy door is the ordinary deal for a subscription, so it is a C.

Refund window
No set window
How you cancel
Yourself, in settings
Getting your money back

Except where the consumer terms or the law provide otherwise, all payments are non-refundable, and the help article on refunds repeats it. Where a payment is refundable, you ask through the support messenger under Claude Refund Request, which checks your eligibility. Customers in the EEA and the UK can get a refund within 14 days of purchase, prorated to use. App Store purchases are Apple's to refund.

Stated on support.claude.com
How to cancel Claude

A Pro or Max plan bought on the web or in the desktop app is cancelled from Settings, then Billing. One bought in the iOS or Android app is handled by that store, reached through Billing and then Manage subscription inside the app. Cancel at least 24 hours before the next billing date to avoid the next charge.

  1. Log in to Claude on the web or open the desktop app
  2. Click your initials or name in the lower left corner
  3. Select Settings
  4. Go to Billing
  5. Click Cancel
Stated on support.claude.com
What you keep afterwards

Cancelling takes effect at the end of the current billing period, and the paid plan keeps working until then. Monthly API credits included with Max and Team plans stop being issued, though credits already claimed stay usable until they expire and are never refunded. The consumer terms add that Anthropic may delete the materials and data on an account when a subscription or access ends.

Stated on support.claude.com
Renewals

The consumer terms say a paid subscription renews automatically for another term the same length as the last, charged up front, until you cancel. Fees will not change during a term, and any increase comes with at least 30 days' notice, taking effect at the next renewal so you can leave first. No reminder before an ordinary renewal is mentioned.

Stated on anthropic.com

In your favour

  • Cancelling a web plan is five clicks in Settings, with nobody to write to and no questions asked.
  • You keep the paid plan to the end of the period you already paid for.
  • A price rise comes with at least 30 days' warning and takes effect only at the next renewal.
  • Upgrade from Pro or Max to Team and the old plan is refunded pro rata without you asking.

Watch out for

  • Payments are non-refundable as a rule. Regretting the month does not get it back.
  • Cancel at least 24 hours before the billing date or the next charge will already have gone.
  • Subscribed in the iPhone app? Only Apple can refund it, and it decides at its own discretion.
  • Dispute a charge with your bank and support cannot refund you until the dispute is dropped.

Customer support

CGrade

Ordinary · checked Oct 18, 2026

Anthropic says it plainly: support is in writing, through the messenger and by email, and there is no phone line and no live chat. An AI bot called Fin takes the first pass and hands you to the Product Support team when it cannot help. The help centre is big and well organised. What is missing is any promise about timing, beyond the admission that it varies by plan. A written route with no stated hours or reply time is a C.

Ways to get help

  • Email

    Every reply is also emailed to the address on your account, and replying to that email continues the same conversation, so you can close the messenger. The consumer terms also give a support address for cancelling.

    Stated on support.claude.com
  • Contact form or ticket

    A support messenger opened from Get help. Fin, an AI bot, answers first and takes the details; where more is needed it passes the case to the Product Support team, who reply in the same conversation.

    Stated on support.claude.com
  • Help inside the app

    Get help sits in the account menu in Claude itself, in the desktop app and in the Console, and the same messenger opens from an icon on any help centre page once you are signed in.

    Stated on support.claude.com
  • Help centre

    A large help centre split into collections for the Pro and Max plans, Team and Enterprise, Claude Code, the desktop and mobile apps, the API and Console, privacy and more, readable without signing in.

    Stated on support.claude.com

Not listed on Claude’s pages: live chat, phone.

When people answer

Its pages do not say.

How fast it says it replies

Anthropic says support is asynchronous: once a request reaches the team a specialist investigates and replies in the same conversation, and that response times vary by plan and by how severe the issue is. No target in hours or days is given for any plan.

Stated on support.claude.com
What depends on your plan

Pro and Max subscribers, Team and Enterprise owners and Console admins get the help centre, Fin and the Product Support team. Team non-owners and Console non-admins get Fin only, and must ask an owner to escalate on their behalf. Enterprise owners can nominate support contacts who may reach a human without holding an owner role.

Stated on support.claude.com

In your favour

  • Pro and Max subscribers reach the human support team, not just the bot.
  • Replies land in your email as well as the messenger, so nothing is trapped in a chat window.
  • Asking for a refund is a built-in option in the messenger, not a letter you have to compose.
  • The help centre is large and specific, with its own collections for billing, cancelling and refunds.

Watch out for

  • No phone support and no live chat. Anthropic states both plainly.
  • A bot takes the first pass and decides whether your question reaches a person.
  • No hours and no reply time are published. Anthropic only says times vary by plan.
  • On a Team plan, ordinary members cannot escalate to a human. An owner has to do it for them.

What these two grades rest on. Read on 18 October 2026: Anthropic's consumer terms of service and the Claude help centre's articles on cancelling a Pro or Max subscription, requesting a refund, paid plan billing and how to get support, plus the help centre's own front page. Nobody here cancelled a plan or contacted its support. They are graded apart from the five that make the GPA. How we grade refunds and support.

Part 06 · Alternatives

The alternatives

The tools it is most often weighed against, side by side

ChatGPT, Gemini, Perplexity and Gemini Notebook

The 4 tools Claude is most often weighed against, with where each one differs from it.

  • 3.4GPA

    ChatGPT

    Free plan · from $8/mo

    OpenAI's general-purpose AI assistant for chat, images and voice.

    • Only Claude lists a browser extension.
    Claude and ChatGPT compared in full
  • 3.8GPA

    Gemini

    Free plan · from $4.99/mo

    Google's AI assistant, tied into Gmail, Docs and other Google apps.

    • Only Claude lists a Linux app.
    • Only Claude lists a browser extension.
    Claude and Gemini compared in full
  • 2.8GPA

    Perplexity

    Free plan · from $17/mo

    AI search assistant that answers questions with cited sources.

    • Only Claude lists macOS, Windows and Linux apps.
    Claude and Perplexity compared in full
  • 3.4GPA

    Gemini Notebook

    Free plan · from $4.99/mo

    Google's AI research assistant that answers from your own sources.

    • Only Claude lists macOS, Windows and Linux apps.
    • Only Claude lists a browser extension.
    • Gemini Notebook also covers notes.
    Claude and Gemini Notebook compared in full

Part 07 · Questions

Quick answers

The questions people ask about it, each answered in a line or two

18

Questions, each answered in a line or two

The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.

Is Claude free?

Claude has a free plan. Chat on web, desktop and mobile, web search, file creation and code execution, memory, app connectors and Artifacts.

How much does Claude cost?

Claude lists 5 plans. Free: $0.

What platforms does Claude work on?

Claude is available on Web, macOS, Windows, Linux, iOS and Android. It also has a browser extension.

Does Claude offer any discounts?

Claude publicly lists the following: Lower price with annual billing; Nonprofit Team pricing from $3 per user; University-wide Education plan; Startup program with API credits.

How is Claude rated?

Claude's iPhone and iPad app averages 4.7 out of 5 from 273,694 ratings on the App Store in the United States, as read on Oct 5, 2026.

Is Claude open source?

Claude is not described as open source on its own site, as read on Oct 4, 2026.

Does Claude have an API?

Yes. Claude offers a public API, according to its own site.

What does Claude integrate with?

Claude's listing names Slack, Google Workspace, Microsoft 365, Google Chrome, VS Code and JetBrains.

Does Claude have a student discount?

University-wide Education plan. Anthropic offers institutions a university-wide plan covering students, faculty and staff at discounted rates, arranged through its Education team.

Who makes Claude?

Claude is made by Anthropic.

What are the alternatives to Claude?

The closest alternatives to Claude in our directory are ChatGPT, Gemini, Perplexity and Gemini Notebook.

Does Claude give refunds?

Except where the consumer terms or the law provide otherwise, all payments are non-refundable, and the help article on refunds repeats it.

How do I cancel Claude?

A Pro or Max plan bought on the web or in the desktop app is cancelled from Settings, then Billing.

What happens to my data if I cancel Claude?

Cancelling takes effect at the end of the current billing period, and the paid plan keeps working until then.

How do I contact Claude support?

Claude's pages list these ways to get help: email, contact form or ticket, help inside the app and help centre.

How does Claude compare with other AI assistants?

Claude's GPA of 3.0 is higher than 39 of the 57 other AI assistants we grade, and level with 8.

Is Claude good value for money?

ToolGPA grades Claude C for value for money. Its paid plans start at $17 a month, against a middle price of $10 for the category: 32 of the 38 others that charge start lower.

Could I make my own version of Claude?

To replace Claude you would be making an AI model, which you can rent by the request but not make.

Where this guide comes from

The prices, plans, platforms and features were read from Claude’s own pages on Oct 4, 2026, and the grades were given on Oct 10, 2026. Graded from this listing, whose facts were read from Anthropic's own pages on 4 October 2026, and its App Store rating. Its pricing page on 9 October 2026 showed Projects on the Free plan, limited to 5, where the listing has them start at Pro, so Projects are left out here. Also tested with a demo account on 2026-07-08.

Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Anthropic. Prices change, so check claude.com before you buy.

Part 08 · About

About ToolGPA

Who made this guide, what else is on the site, and how to cite it

3,189

Tools graded, in 94 categories

ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.

Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.

  • 3,189

    tools graded

  • 94

    categories

  • 426

    price changes on record

  • 579

    apps priced in 12 countries

What else is on toolgpa.com

Scan for the live page

Prices and grades as they are today

Quoting this guide?

Please name ToolGPA and link to the live page, so readers can check the figures for themselves:

ToolGPA, "Claude: The Insider's Guide", checked Oct 4, 2026. https://toolgpa.com/tools/claude

Know someone choosing between AI assistants?

Send them this guide: toolgpa.com/tools/claude/guide

ToolGPA elsewhere: youtube.com/@toolgpa

See our other guides

The best-graded AI assistants after Claude, each with an Insider's Guide of its own.

ToolGPA

Choosing software? Every tool graded, every price dated.

Compare tools at toolgpa.com ›

Everything in this guide is ToolGPA’s own summary of what Claude’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Claude is a trademark of its owner, and this guide is not made, paid for or approved by Anthropic. Prices and plans change: check claude.com before you buy.