Claude Max
$100 / $200 per mo (Pro $20)
Models: Claude only (incl. Claude Code)
What "flat" means: Fixed price with metered usage: 5-hour session windows plus a weekly cap; Max raises them 5x or 20x over Pro and adds $100 or $200 of API credits a month.
The catch: Session amounts aren't published, and the plan login only works in Claude Code and Anthropic's apps (other agents get only Max's API credits). Claude models only; heavy agentic use hits the windows.
Pick Claude Max when
+Claude Code is your daily driver; it remains the quality benchmark among coding agents
+Your usage fits inside the session windows and weekly caps
+You want chat, projects, and the agent bundled with zero API setup
GitHub Copilot Pro / Pro+ / Max
$10 / $39 / $100 per mo
Models: Curated multi-model
What "flat" means: Fixed price with a monthly AI Credits allowance (1,500 / 7,000 / 20,000 credits, 1 credit = $0.01) for chat, agent mode and CLI; code completions don't use credits.
The catch: Chat and agent mode draw down AI credits at token rates, and usage past the allowance is billed at $0.01 a credit, which complicates the 'simple' price. Free, Pro and Pro+ interactions may be used for training unless you opt out.
Pick GitHub Copilot Pro / Pro+ / Max when
+You live in GitHub and VS Code and want the lowest-friction install
+Autocomplete plus occasional agent use, not heavy agentic volume
+Your team already standardizes on GitHub tooling and billing