Overview
- Bank of America Institute finds about 3% of households now pay for AI tools, with paying customers up 38% from the 2024 average and a median monthly spend of $20.
- PNC reports the share of paying households has jumped roughly 155% year over year to about 2%, and the average subscription lasts seven months.
- Major services keep free tiers but cluster standard plans near $20, with higher-cost options such as ChatGPT Pro and Claude Max at $100 for heavier use.
- Early adopters skew younger and higher income, yet Bank of America data shows the fastest recent growth among households earning $75,000 to $125,000.
- Analysts highlight a monetization gap, with Bank of America Research projecting a $75 billion U.S. consumer market even as Stanford estimates $172 billion in annual value for users today.