Most small businesses overspend on AI by stacking overlapping subscriptions. Here is a lean, realistic stack that covers the whole company.
**One general model subscription.** A single mid-tier assistant (ChatGPT, Claude, or Gemini) handles drafting across marketing, email, ops, and support. As of June 2026, a balanced tier like gpt-5.4 or Claude Sonnet 4.6 fits most needs; route high-volume, simple tasks to a cheaper model such as gpt-5.4-mini or Claude Haiku 4.5 to control cost. See OpenAI and Claude for live tiers.
**Free prompt tools as the standard layer.** Instead of buying a marketing app and an email app and a support app, standardize on the free, no-signup tools that structure each task. This is the single biggest cost saver for a small team.
**A shared prompt library.** Save your best prompts — your persona, your brand voice, your top email templates — in a shared doc so the whole team uses the same inputs. Consistency is a process, not a tool. Our guide to building a prompt library from scratch walks through how.
**Add specialized apps only on proven volume.** When one task genuinely becomes daily and high-volume — say, hundreds of support tickets — that's the moment a dedicated app earns its subscription. Until then, the lean stack wins on both cost and simplicity.
Signs your AI spend is right-sized: one general model subscription, a handful of standardized free prompt tools, and a shared prompt library. You add paid apps only when a specific task proves out high daily volume.
Signs you're overspending: five overlapping subscriptions, annual plans you forgot you bought, and tools no one on the team actually opens. Audit quarterly and cut anything you don't use weekly.