The short answer
If you only budget for three tools, get a general assistant (Claude or ChatGPT), a video or design tool only if you produce that content weekly, and an automation tool (Make or Zapier) to remove repetitive admin work. Most small businesses overspend on writing subscriptions they never fully use.
| Category | Our top pick | Best budget pick |
|---|---|---|
| Chatbot / assistant | Claude | Google Gemini |
| Image generation | Midjourney | FLUX (pay-as-you-go) |
| Video generation | Runway | Kling |
| Writing / editing | Grammarly | Grammarly Free |
| Automation | Make | Zapier Free |
AI chatbots & assistants
1. Claude (Anthropic)
Best overall assistant for writing-heavy small teams. Claude's current lineup spans the flagship Fable 5.1 (long-horizon agent work), Opus 5, Sonnet 5, and Haiku 4.5, with context windows up to 1M tokens depending on the model[3][4]. It ships with web search, Artifacts, Claude Code, cross-conversation memory, and connectors to external tools.
Price: Free tier exists; Pro is $20/month ($17/mo billed annually at $200/year); Max starts at $100/month[3].
2. ChatGPT (OpenAI)
Best all-rounder with the broadest ecosystem. OpenAI's current GPT-5.6 family includes Sol (main), Sol Pro, Terra, and the fast Luna, with GPT-6 Pro available on the top tier[1]. It covers multimodal input, data analysis, voice, and image generation in one product.
Price: ChatGPT Go $8/mo, Plus $20/mo, Pro $100 and $200/mo[2].
3. Google Gemini
Best value for Google Workspace users. Gemini runs Gemini 3.1 Pro and Gemini 3 Pro, plus Gemini Omni for video, with deep integration into Gmail, Docs, and Sheets[5].
Price: Google AI Plus $4.99/mo, Pro $19.99/mo, Ultra $99.99–$200/mo[6].
Image generation
4. Midjourney
Best for polished, aesthetic visuals. The current default is V8.2 (released July 24, 2026), which emphasizes aesthetics and personalization and introduces a new Edit Model[10]. There is no free tier.
Price: Basic $10/mo, Standard $30/mo, Pro $60/mo, Mega $120/mo (annual billing is 20% cheaper)[9].
5. FLUX (Black Forest Labs)
Best pay-as-you-go option. The FLUX.2 family spans [klein], [max], [pro], [flex], and [dev]. The [dev] weights are free for non-commercial use, and the open-weight [klein] 4B can run locally[11].
Price: Usage-based, from $0.014/image ([klein]) up to $0.07/MP ([max]); no subscription fee[12].
6. Ideogram
Best for text inside images (logos, posters, ads). Ideogram 4.0 is an open-weight 9.3B model focused on accurate text rendering and layout control[13].
Price: Basic $8/mo (400 credits), Plus $20/mo (1,000 credits); free tier with limited slow generations[14].
Video generation
7. Runway
Best pro-grade video tool. The Gen-4.5 and Gen-4 Turbo models cover text-to-video, image-to-video, 4K upscaling, and generative audio, with a built-in editor and no watermark on paid plans[17].
Price: Standard $12/mo (annual) or $15 monthly; Pro $28/$35; Max $76/$95[17].
8. Kling (Kuaishou)
Best budget video generator. Kling 3.0 outputs up to 4K with multi-shot, native lip-sync audio, and motion control[19].
Price: Standard $6.99/mo (660 credits), Pro $25.99/mo (3,000 credits)[19].
9. Pika
Best for quick social clips. Pika 2.5 adds multi-frame video (Pikaframes), scenes, and effects at up to 1080p[18].
Price: Standard $8/mo (700 credits), Pro $28/mo[18].
Writing & office productivity
10. Grammarly
Best writing quality layer. Grammar correction, full-sentence rewrites, tone adjustment, and AI text generation (2,000 prompts/month on Pro)[23].
Price: Pro $12/member/mo (annual) or $30 monthly[23].
11. Jasper
Best marketing-focused AI writer. Brand Voice, 100+ marketing agents, and plagiarism detection — but it's the priciest option on this list[20].
Price: Pro $69/seat/mo (or $59 annual); Business is custom[20].
12. Notion AI
Best all-in-one workspace + AI. The Notion Agent drafts and edits docs, fills databases, and translates, with AI meeting notes and cross-tool search on the Business plan[24].
Price: Plus $10/member/mo; Business $20/member/mo includes full Notion AI[24].
Automation
13. Make
Best value automation platform. Visual workflow builder, 3,000+ app integrations, AI agents, and custom functions[27].
Price: Core $9/mo, Pro $16/mo (10K credits, annual)[27].
14. Zapier
Best for the widest app library. 9,000+ integrations, multi-step workflows, and AI Copilot[26].
Price: Free (100 tasks/mo); Professional $19.99/mo (750 tasks), Team $69/mo[26].
15. Microsoft Copilot
Best if you already live in Microsoft 365. Copilot sits inside Word, Excel, PowerPoint, and Teams, with reasoning-based research and data analysis[25].
Price: Copilot Business add-on $18/user/mo (promo; list $21), or bundled Business Standard with Copilot at $23.50/user/mo[25].
Pricing at a glance
| Tool | Category | Current model | Entry paid price |
|---|---|---|---|
| Claude | Chatbot | Fable 5.1 / Opus 5 / Sonnet 5 | $20/mo (Pro) |
| ChatGPT | Chatbot | GPT-5.6 family | $8/mo (Go) |
| Gemini | Chatbot | Gemini 3.1 Pro | $4.99/mo (Plus) |
| Midjourney | Image | V8.2 | $10/mo (Basic) |
| FLUX | Image | FLUX.2 | $0.014/image |
| Ideogram | Image | 4.0 | $8/mo (Basic) |
| Runway | Video | Gen-4.5 | $12/mo (Standard) |
| Kling | Video | 3.0 | $6.99/mo |
| Pika | Video | 2.5 | $8/mo (Standard) |
| Grammarly | Writing | — | $12/mo (Pro) |
| Jasper | Writing | — | $69/mo (Pro) |
| Notion AI | Productivity | — | $10/mo (Plus) |
| Make | Automation | — | $9/mo (Core) |
| Zapier | Automation | — | $19.99/mo (Pro) |
| Microsoft Copilot | Productivity | — | $18/user/mo |
Frequently asked questions
Which single AI tool should a small business buy first?
A general assistant — Claude Pro or ChatGPT Plus — covers drafting, research, summarizing, and basic image/code tasks before you add specialized tools.
Do I need a paid writing tool like Jasper?
Usually not. Grammarly Pro for editing plus a general assistant for drafting covers most small-team needs at a fraction of Jasper's $69/seat/mo[20][23].
Are these prices guaranteed?
No. They are list prices verified in September 2026 and change frequently. Always confirm on the vendor's official pricing page before buying.
Sources
- OpenAI Help — "GPT-5.6 and GPT-6 Pro in ChatGPT" — help.openai.com
- OpenAI — "Introducing ChatGPT Go" — openai.com
- Anthropic — Claude pricing — claude.com/pricing
- Anthropic — "Claude Fable 5" — anthropic.com
- Google — "Everything new in our Google AI subscriptions (I/O 2026)" — blog.google
- Google — AI plans — one.google.com
- DeepSeek — API pricing — api-docs.deepseek.com
- Mistral — pricing — mistral.ai
- Midjourney — Plans — docs.midjourney.com
- Midjourney — "Version" (V8.2) — docs.midjourney.com
- Black Forest Labs — FLUX.2 overview — docs.bfl.ai
- Black Forest Labs — pricing — bfl.ai
- Morphic — Ideogram 4 model — morphic.com
- Tickerr — Ideogram pricing — tickerr.ai
- AI Unpacking — Leonardo AI review — aiunpacking.com
- Surfer Stack — Sora review — surferstack.com
- Runway — pricing — runwayml.com
- Pika — pricing — pika.art
- Kling — "Kling Video 3" — kling.ai
- Jasper — pricing — jasper.ai
- Copy.ai — pricing — copy.ai
- ContentForce — Writesonic pricing — blog.contentforce.ai
- Grammarly — grammarly.com
- Notion — pricing — notion.com
- Microsoft — Copilot pricing — microsoft.com
- Zapier — pricing — zapier.com
- Make — pricing — make.com