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AICosts.ai vs Steerplan

Which one should you try?

AICosts.ai

Freemium

Best for Finance teams managing distributed AI infrastructure across multiple vendors

Visit AICosts.ai See full review

Steerplan

Freemium

Best for UK residents managing multiple bank accounts

Visit Steerplan See full review

Pricing, capabilities and platforms side by side. Prices are as of the "Pricing checked" date in the table.

AICosts.ai

AICosts.ai

The tool connects read-only to 50+ AI providers via billing API keys, aggregates daily spend by platform and model, and surfaces a 30-day forecast with an 80% confidence interval — so you see the spread, not a false-precision point estimate. Budget alerts fire at 50%, 80%, and 100% of a monthly threshold, scoped to a specific provider or platform if you need that granularity. For providers that expose no billing API, you upload a PDF or CSV invoice and it parses into the same structure. The comparison page shows what your last 30 days of token volume would have cost on cheaper model alternatives — but it never touches your traffic. Read-only throughout, zero inference-path involvement.

Steerplan

Steerplan

Connect your UK bank accounts once via Open Banking and Steerplan maps income, recurring bills, and spending categories, then projects your balance 90 days out. The AI assistant answers specific questions — 'Can I afford the Berlin trip in August?' — grounded in your actual transaction history, not generic benchmarks. The read-only bank connection means Steerplan sees everything and touches nothing. The ceiling appears fast: no API, no third-party integrations, no web dashboard — mobile only. Users who want to pipe forecast data into a spreadsheet or hook it into another tool hit a wall with no exit.

AttributeAICosts.aiSteerplan
PricingFreemiumFreemium
Price$19.99/mo (Starter), $49.99/mo (Professional), Custom (Enterprise)£9.99 per month
Pricing checkedNot checked yetNot checked yet
Free trial7 daysNot stated
Open sourceNoNo
Has APIYesNo
Self-hosted optionNoNo
PlatformsWeb (SaaS), Desktop via WebCatalog for macOS and WindowsiOS, Android
Released20252026
Pros
  • Read-only ingestion across 50+ providers, which means your provider configuration is never touched and your security review does not need to treat this tool as infrastructure risk.
  • PDF and CSV invoice upload for providers without a billing API, so gaps in your provider coverage do not force you back to maintaining a separate manual spreadsheet.
  • 30-day spend forecast rendered with an 80% confidence interval rather than a single point estimate, so budget presentations to finance reflect actual uncertainty instead of false precision.
  • Budget alerts scoped to individual providers or features — not just a global account total — which means a single runaway integration triggers a notification before it distorts the whole month.
  • Model cost comparison against cheaper alternatives for your actual token volume over the last 30 days, so the conversation about switching models starts from your real usage data rather than a vendor's benchmark sheet.
  • Read-only Open Banking connection authenticated directly with your bank, so Steerplan never holds your credentials and cannot move funds — which means you can connect without handing a third party write access to your accounts.
  • 90-day balance forecasting built from detected income and recurring bills, so you see a cash runway number before a shortfall appears rather than after the fact.
  • AI assistant answers grounded in your actual transaction history rather than generic rules, so 'Can I afford X in August?' returns an answer tied to your specific bill schedule and income cadence — not a ballpark.
  • Consolidates multiple UK bank accounts into one view, so you stop toggling between apps to understand your aggregate position.
  • FCA-registered infrastructure via Yapily, so the data pipeline meets UK regulatory standards without you having to vet the connectivity layer yourself.
Cons
  • The tool is observation-only: it identifies that your Bedrock spend jumped 40% this week but takes no action on that signal. Teams that want automatic traffic rerouting to cheaper models when costs spike will need a separate layer — a proxy, a gateway, or custom routing logic — and at that point AICosts.ai becomes one input among several rather than a complete solution.
  • Peer benchmark comparisons are gated on having at least three other customers in the cohort using the same model. For teams running newer or less common models, the benchmark feature returns nothing and the cost comparison stays limited to the what-if calculation against alternatives — useful, but not the same as knowing where you stand relative to peers.
  • The 30-day forecast is built from a 7-day trailing sample. Teams with highly irregular usage patterns — large batch jobs that run monthly, seasonal spikes, or a product launch that doubles token volume overnight — will find the confidence interval widens to near-useless levels, and any team requiring longer-horizon budget modeling will need to export the data and build their own projection.
  • The AI assistant and bank connections are paid-only features, so the free account does not deliver the core forecast or chat functionality — users who sign up expecting to evaluate those features before paying cannot do so.
  • Mobile-only with no web interface and no API, so any workflow that requires forecast data outside the app — a shared spreadsheet, a finance dashboard, an accountant's tool — has no supported export path. Teams or households that need data portability switch to a competitor with CSV export or an open API.
  • UK bank accounts only via Open Banking, so users with accounts at non-UK institutions, investment platforms, or credit cards outside the supported Yapily network see an incomplete picture — and an incomplete picture is worse than no picture when you are making a cash flow decision.

Made up your mind?

AICosts.ai

Freemium

Best for Finance teams managing distributed AI infrastructure across multiple vendors

Visit AICosts.ai See full review

Steerplan

Freemium

Best for UK residents managing multiple bank accounts

Visit Steerplan See full review

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