
cheapest serious AI coding setup in 2026: - Gemini Code Assist free: 6,000 requests/day, no credit card - OpenCode: open source, 140K stars, runs in terminal - DeepSeek V4 API - $0.28/MTok, leads LiveCodeBench - Aider - git-integrated, free tool total monthly cost for heavy use: under ₹500 you get: - unlimited tab completions - full agentic coding - the model currently leading coding benchmarks - git-native workflow what you don't get: - the Cursor UI - Claude's instruction following precision - support when something breaks






