Answers
Straight answers
One question per page, answered in the first paragraph. Numbers come from our own billed rates and the vendors' published pages, and every page says where it got them.
What is an OpenAI-compatible API?
The convention behind "just change base_url" — and what it does not cover.
How do I switch from the OpenAI API to another provider without rewriting my code?
Two lines change. Here is the rest of the checklist.
Is there a free LLM API that does not need a credit card?
What a no-card free tier realistically gets you, ours included.
How many tokens does one dollar buy?
The arithmetic, at a realistic input/output ratio, across eight models.
Why is the API returning 429, and what should I do?
What 429 means, how it differs from 402 and 503, and the fix.
Which model should I use for a coding agent?
Pick per step, not per project — and why agent loops change the maths.
What is the cheapest API for Cursor?
Prices for the models Cursor can use, and what Cursor Pro does differently.
Figures verified August 14, 2026. Something missing? The docs go deeper, and the setup guides cover specific tools.