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I used a $20 AI tool to finish 24 days of coding in 6 hours – but there’s a big catch

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September 11, 2025
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I used a $20 AI tool to finish 24 days of coding in 6 hours – but there’s a big catch
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Observe ZDNET: Add us as a preferred source on Google.


ZDNET’s key takeaways

  • I spent $20 on Codex and noticed 16x productiveness.
  • Onerous utilization limits minimize off coding in mid-project unexpectedly.
  • Premium instruments can price $800 month-to-month however give steadier outcomes.

We have talked earlier than about OpenAI’s Codex, the AI mannequin designed particularly for programming work. Whereas I discovered it to have some capabilities, the necessity to use it solely in GitHub or as a part of the command-line terminal interface felt fairly restrictive.

However all that modified on the end of August. Codex is now accessible as an extension to VS Code, Cursor, and Windsurf (one other AI coding IDE). It is also accessible as a part of ChatGPT Plus, OpenAI’s $20/month AI plan.

Codex’s integration with VS Code is a real productiveness game-changer, particularly contemplating the $20/month choice. I have been exploring different AI coding choices, however what the hype-machines do not inform you is that it could actually get very costly, in a short time — into the $400-800 month vary.

Additionally: How to use GPT-5 in VS Code with GitHub Copilot

However Codex within the $20/month plan is just not with out its limitations. After a full day of use, I out of the blue acquired hit with a 33-minute utilization maintain. The following day, after about 4 hours of use, I used to be hit by a 90-minute maintain. Then, after one other 4 hours of labor, Codex shut me down for per week.

It feels a bit like a drug. You get your first style. You get 192 hours of labor carried out in a mere 12 hours. However in order for you extra of that candy, candy superpowered productiveness, it’s essential pay $200 a month. It is nonetheless unclear how a lot coding you are shopping for with the larger plan, however I am actually pondering of going for it simply to proceed my streak.

The underside line, although, is I accomplished 4 tasks and began a fifth within the time it might have usually taken me to perhaps — perhaps — full one.

Now that you realize the core of my expertise, let me take you thru the small print.

AI coding instruments aren’t low cost

In a latest discussion on YouTube, programmers Ray Fernando and Robin Ebers shared how they every spend at the very least $800/month on coding instruments.

Fernando says he pays $200 a month for the Claude Code Max 20x plan. Claude Code is the pair programming assistant mannequin particularly designed by Anthropic for coders, and is commonly most popular for its planning and reasoning capabilities.

Additionally: I asked AI to modify mission-critical code, and what happened next haunts me

Fernando additionally pays $400 per 30 days for Cursor Ultra. Cursor is a fork of the VS Code built-in improvement atmosphere (IDE) with extra native AI smarts. The event atmosphere integrates AI capabilities all through the interface, permitting for highly effective AI-based coding help.

Moreover, Fernando pays $200/month for ChatGPT Pro, the high-end model of ChatGPT with superior deep reasoning and fewer limits.

To Fernando and Ebers, such bills are price it for the added productiveness they’re getting from the instruments. And, as a matter of perspective, hiring even probably the most entry-level programmer would price greater than they’re every spending.

Additionally: I retested GPT-5’s coding skills using OpenAI’s guidance – and now I trust it even less

For the second, let’s not talk about whether or not AI is killing the probabilities of entry-level programmers getting gigs. Let’s simply deal with what AI can do for skilled programmers who need extra productiveness (or extra time to sleep).

My Codex utilization expertise

Total, my utilization expertise (after I might use it) with Codex in VS Code was fairly nice. I labored nearly solely with the chatbot interface contained in the IDE.

cleanshot-2025-09-05-at-11-55-182x
Screenshot by David Gewirtz/ZDNET

My first huge check was getting Codex to rewrite my welcome display for my code. The welcome display is primary HTML and CSS, which is not all that onerous at hand code. However I am going to share this little secret about me: I deeply, deeply dislike coding in CSS.

CSS is the formatting “language” used to customise the show of net pages. It was developed by committee, then custom-made and tweaked to the purpose that no rational programmer ought to be capable to tolerate it. Sure, there are CSS masters. However I’m not certainly one of them.

So, the flexibility to delegate that work to the AI was catnip to me. First, CSS may be very well-known and well-documented, so the AI has deep information of the way it works.

Additionally: Google’s Jules AI coding tool exits beta with serious upgrades – and more free tasks

Second, nothing in that code is mission-critical. It may screw up the show all it desires and the one hurt carried out could be to my aesthetic sense.

Third, all of the code for that display exists in two information: an HTML and a CSS file. So, ought to the AI render it fully unusable, I might merely restore these information from the primary department or any latest backup.

It did take a bunch of tries. After I first informed the AI that I needed the display to look extra trendy and engaging, it had no thought what to do with that instruction.

However after I instructed it part by part (i.e., make three white containers), it did a terrific job. So I labored with it, gave it one change at a time, waited 5-10 minutes for it to assume by means of a change, after which moved on.

Here is the earlier than.

cleanshot-2025-09-04-at-07-08-052x
Screenshot by David Gewirtz/ZDNET

Here is the after.

cleanshot-2025-09-05-at-12-30-192x

Skilled coders are paying lots of month-to-month for AI help. Can a $20 Codex plan rival premium instruments like Cursor and Claude Code? Uncover the tradeoffs of price, limits, and outcomes.

The ensuing model is cleaner, simpler to learn and perceive, and extra engaging.

I additionally used Codex to check and debug the mailing listing signup type, which was beforehand fairly buggy. Right here, Codex went into the JavaScript. Once more, we iterated a bunch of occasions till one thing got here out that labored.

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Additionally: AI’s free web scraping days may be over, thanks to this new licensing protocol

It is necessary to needless to say I needed to very fastidiously direct the AI on what to vary. I had to have the ability to clearly describe what was and wasn’t working. And I had to have the ability to go into my code and the browser console to do some testing.

So, Codex is just not a software for a non-programmer. A clueful human being with a whole lot of coding and mission information must be on the helm in an effort to make a mission work.

Onerous limits and difficult decisions

There are, nevertheless, some large gotchas to that $20/month ChatGPT Plus plan with Codex. Most coding AIs are metered primarily based on utilization. Every time you give a immediate to the AI, some variety of tokens (usually fairly a big quantity) are consumed. The upper-priced plans provide you with extra tokens earlier than you are minimize off.

Many of the coding instruments present you the accessible tokens you have got in your plan, and what number of you have got left earlier than it’s essential take a break. At the least proper now, Codex in VS Code doesn’t.

I might been utilizing Codex in VS Code all day (fairly actually all day). I hit 8:45 p.m. and out of the blue, in the course of a reasonably complicated and complete debugging run, I used to be informed, “You have hit your utilization restrict. Improve to Professional or attempt once more in 33 minutes.”

Uh oh.

cleanshot-2025-09-05-at-20-45-192x
Screenshot by David Gewirtz/ZDNET

There was no warning. It was actually in the course of a coding run. So I had no thought if it made partial adjustments when it stopped and indicated failure, or not. I did not have entry to the “what it modified” interface that is usually accessible after a Codex run. My code was in a very indeterminate state.

This was disturbing, and it acquired worse. There is no such thing as a discover when Codex cuts you off. As I discussed above, it minimize me off twice extra, additionally with out warning.

Sure, I might roll again the department to earlier than I did any work with Codex on this explicit function, however then I might be losing all that utilization.

Talking of utilization waste, needless to say whereas programmers are paying for tokens or utilization, the AIs are sometimes making boneheaded errors. So that you’re additionally paying for unusable outcomes. If my utilization is any indicator, at the very least half the requests you make to the coding associate AI shall be nugatory.

Additionally: GPT-5 bombed my coding tests, but redeemed itself with code analysis

The primary time the ban hit, I did not know the way a lot utilization I might get again when these 33 minutes are up. It seems the bans are progressively longer, at all times with none warning, and infrequently proper in the course of an AI coding run.

After ready the 33 minutes, I ran eight extra full coding instruction prompts, with out interruption, which introduced me to the tip of my first day utilizing Codex this fashion.

The following morning, after about 4 hours, I hit one other exhausting restrict. This time, Codex needed me to attend 90 minutes. It once more hit the exhausting restrict in the course of certainly one of its coding runs, once more leaving my code in what appeared like an unknown state.

The 90-minute work stoppage was tough as a result of I used to be proper in the course of a reasonably sturdy movement state. 

I moved onto a non-coding mission for some time, till the 90 minutes had handed.

I then had one other actually productive run with Codex. I might say I labored for one more 5 hours or so. However then I hit the last word big-time deal-killer of a brick wall.

Additionally: AI’s not ‘reasoning’ at all – how this team debunked the industry hype

I might been minimize off. Codex would not discuss to me for five days and 16 hours, except I upgraded to the $200/month plan.

So that is the robust selection. Do you restrict your self to no matter you will get out of Codex on the $20/month Plus plan? In follow, that looks as if two days of labor — however is that two days per 30 days, or two days per week?

As a result of I haven’t got a lot free time to program, it is perhaps workable for me. Even so, it is a buzzkill to be shut down after I nonetheless have the time to code. However for an expert coder, that two-day on, five-day off factor simply will not work.

I’ve reached out to OpenAI for some particulars on the Plus utilization limits, and how you can know when these limits are up. Keep tuned. I am going to replace this after I discover out extra.

And but, what I acquired carried out…

Although I used to be shut out of the AI coding assist from Codex, I might nonetheless code by myself. Besides, now that I’ve tasted what that is like, I do not know if I wish to.

Let me run down what I accomplished in lower than two days of intermittent coding, in and round my different actions, together with writing this text.

Additionally: I asked AI to modify mission-critical code, and what happened next haunts me

It ought to be famous that nothing I did with the AI was mission-critical or security-related code. These had been all very good capabilities so as to add, however nothing in these areas would trigger safety points to customers. That, I’m coding by hand.

1. I prettied up the welcome web page

This can be a activity nearly solely HTML and CSS primarily based, and is the sort of prosaic coding exercise I really dislike.

I might say it took me about 90 minutes with Codex. That will have been a full day’s work by myself.

2. I debugged a mailing listing interface

I used Codex to dig by means of mailing listing interface code that wasn’t working correctly. It will name out to Mailchimp, however not succeed. I had dug into it earlier than just a few occasions, however by no means with a dependable repair.

Utilizing Codex, I used to be in a position to repair it in about 10 minutes. That is one other multi-hour financial savings, for a mission I might carried out various runs at beforehand.

3. I created a sub-tabs UI engine

My interface is split into tab sections, nevertheless it’s getting complicated. I exploit a parameterized person interface engine to specify these tabs. Yesterday, I added an entire sub-tabs engine that creates a wholly new person interface element.

Not solely does it present the brand new UI parts, nevertheless it’s super-modular and simple to deploy. This sort of modular performance add-on is kind of complicated to implement and correctly lock in.

Carried out by myself, it in all probability would have taken me at the very least per week. It took below 4 hours, together with the 33 minute necessary break.

4. I added a settings backup supervisor

I added a brand new subsystem for backing up, restoring, and clearing the entire settings in my program. This creates an exterior JSON textual content file that may be simply moved, saved, and modified exterior of this system’s database.

Not solely did I construct the code for saving and restoring the settings, but in addition the person interface that permits website house owners to make use of it.

Usually, the UI could be a few day, and the save/restore/reset performance would in all probability be one other day or so. It took about three hours, of which 90 minutes was a compulsory break.

5. I began a person exercise monitor add-on

I began work on one thing which will develop into a paid add-on for my freemium product, a person exercise monitor. This can be a very deep, feature-rich software for capturing person and website exercise, analyzing it, and flagging suspicious exercise.

I prototyped your complete person interface, and created a primary minimize of the particular logic that makes the entire thing run. Sadly, that is so far as I acquired earlier than the ban hammer hit. I am minimize off from Codex for the subsequent week.

Even so, getting so far as I did would have taken me at the very least per week for the UI prototype, and doubtless one other week for the purposeful logic. I spent 4 hours, two of which had been used to fastidiously design a product necessities doc. The opposite two hours had been used to work with the AI to generate the code.

Backside line for me

I am not exaggerating after I say I acquired about 24 days of labor carried out, in two brief coding days of about six hours every. I accomplished roughly 192 hours of labor in 12 hours with the assistance of Codex. Discuss a drive multiplier!

If I had been coding professionally, the price of $200 a month for the Professional account (and even $800 a month, as Fernando and Ebers spend) could be completely definitely worth the expense. However my coding is generally to maintain my chops up and most of my work is open supply and free.

Additionally: The best AI for coding in 2025 (and what not to use)

I can justify $20 and even $40 per 30 days for coding, nevertheless it’s simply not one thing the place I can justify spending lots of of {dollars} per 30 days.

I’ve seen productiveness advantages utilizing AI earlier than, utilizing ChatGPT within the chatbot interface. However right here, Codex had entry to your complete 492 file code repo and will see the connection the information had with one another. In different phrases, Codex might code to the general system, not only one module right here and there.

So, whereas I’ve seen some huge productiveness coding positive aspects utilizing ChatGPT to assist with remoted routines, I’ve by no means earlier than seen a 16x productiveness enhance, which is what Codex offered me this weekend.

However do not learn into this that AI could make you that million-dollar app. By itself, with out my fixed steering, Codex made a ton of errors. It wanted to be instructed on how the varied parts work collectively. It wanted to be coached about how you can go about fixing a number of the issues. Typically, I needed to take it fully away from the strategy it was utilizing and level it in different instructions.

In different phrases, it is a energy software. It is not a magical wishing nicely.

The ability software analogy is an effective one. I’ve 4 or 5 completely different sorts of energy saws in my workshop. Every noticed is nice at sure sorts of slicing duties. Every noticed saves super time in comparison with utilizing a hand noticed. Every noticed requires sufficient talent to be each protected and produce one thing marginally usable.

Until somebody’s an artisan (or desires to keep away from the noise and sawdust produced by energy saws), most woodworkers are unlikely to make use of hand saws for the majority of their work. However simply having the facility saws doesn’t suggest the job is easy. They’re drive multipliers, not talent alternative gadgets.

Additionally: 8 ways to write better ChatGPT prompts – and get the results you want faster

This, too, is how AI coding companions work. They’re undoubtedly drive multipliers. However work like I am attempting to get carried out, on a posh safety product with a big put in base, nonetheless requires the information and talent of a human programmer.

It is also right here the place the query of whether or not AI will change programmers turns into much more of a quandary. On one hand, even $1,000/month is lower than the price of the greenest human coder. Then again, $200-$800 per 30 days is way too wealthy for many weekend coders and hobbyists, in addition to college students. In different phrases, not solely might AI pair programming minimize off entry-level gigs, it could additionally worth out all however the company coders from utilizing instruments like Codex at something resembling full-time depth.

However rattling! For the time I had entry to Codex this weekend, I actually powered by means of that code at warp velocity. It took my breath away. I might want to assume a lot on this.

The remainder of the story

I am updating this 4 days after the gadgets written above and as of yesterday morning, I nonetheless had at some point and 12 hours to go earlier than I used to be to be allowed again in. However I actually, actually needed to see how far I might get on that person exercise add-on so I plunked down the $200 for a month of Professional.

I spent eight hours yesterday and constructed a complete website intelligence add-on for my safety software program. It is vast and deep, monitoring person accesses, website bots, AI bots and extra. It has export functionality. And it has an uncommon exercise guardian that does an enormous quantity of analytics on website exercise to flag potential issues. It contains all of the UI, fancy accordion results, and extra.

Additionally: Stop using AI for these 9 work tasks – here’s why

That will have taken me eight weeks. It took me lower than eight hours (and a whole lot of frustration — the AI will be extremely, stubbornly silly). It is positively not one thing that an individual unfamiliar with my core code might use as a result of the AI stored desirous to work within the incorrect place. However my gosh, the tip productiveness is breathtaking.

So, I do not know. I wish to see if I can construct one thing else into the software program within the subsequent two days. I additionally wish to see if I get minimize off utilizing OpenAI’s most premium plan after just a few days of sustained utilization. Keep tuned.

Have you ever tried utilizing Codex or different AI coding assistants? Did you discover the fee price it in comparison with the productiveness enhance? Would you pay $20, $200, and even $800 month-to-month for these instruments? How do you stability the tradeoff between saving cash and maintaining your coding movement uninterrupted? Tell us within the feedback under.


You possibly can observe my day-to-day mission updates on social media. You’ll want to subscribe to my weekly update newsletter, and observe me on Twitter/X at @DavidGewirtz, on Fb at Facebook.com/DavidGewirtz, on Instagram at Instagram.com/DavidGewirtz, on Bluesky at @DavidGewirtz.com, and on YouTube at YouTube.com/DavidGewirtzTV.





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