v1.0 · Updated weekly · 15 tools indexed

Choose AI deliberately.
Not by default.

Not all AI solutions deliver equal value. payoff.studio helps assess capability, cost, and integration in one place.

60s
to a verdict
15+
tools scored
6
business types
$0
to use

How the engine thinks

§01 · methodology
01

Define the player

Your business type, team size, and budget set the constraint frontier.

02

Map the payoff

Each tool is scored on capability, speed, integration, and cost-fit.

03

Find the equilibrium

We rank the dominant strategy — and the runner-ups worth knowing.

ROI calculator

Will it actually pay back?

Five inputs, one honest answer. Monthly net, payback period, and a sensitivity grid with the break-even line plotted on top.

payoff_preview · monthly net
hrs / wk →adoption →
Monthly net
+$3.2k
Payback
1.2 mo
ROI
320%

The major AI tools, scored.

§02 · directory

A working index of the AI tools we benchmark — ChatGPT, Claude, Gemini, Perplexity, Cursor, GitHub Copilot, Midjourney, Runway, ElevenLabs, Jasper, Notion AI, Zapier AI, Intercom Fin, Hebbia, and Canva Magic Studio. Each is rated on capability, speed, integration, and price.

  • ChatGPT

    OpenAI

    The generalist. Strong reasoning, vast ecosystem.

    cap 94·spd 88·from $20/mo
  • Claude

    Anthropic

    Best long-form writing & nuanced analysis.

    cap 95·spd 84·from $20/mo
  • Gemini

    Google

    Deep Google Workspace integration.

    cap 90·spd 90·from $20/mo
  • Perplexity

    Perplexity AI

    Cited answers. Replaces 80% of Google searches.

    cap 88·spd 95·from $20/mo
  • Cursor

    Anysphere

    AI-native IDE. Ship features 3x faster.

    cap 93·spd 92·from $20/mo
  • GitHub Copilot

    GitHub

    Inline completions in every IDE.

    cap 86·spd 90·from $10/mo
  • Midjourney

    Midjourney

    Best-in-class aesthetic image generation.

    cap 96·spd 80·from $10/mo
  • Runway

    Runway ML

    Generative video for marketing teams.

    cap 90·spd 78·from $15/mo
  • ElevenLabs

    ElevenLabs

    Hyper-realistic voice synthesis & cloning.

    cap 94·spd 92·from $5/mo
  • Jasper

    Jasper AI

    Marketing-tuned copy with brand voice.

    cap 82·spd 88·from $49/mo
  • Notion AI

    Notion

    AI inside your team's docs & wiki.

    cap 80·spd 88·from $10/mo
  • Zapier AI

    Zapier

    Connect 7,000+ apps with AI workflows.

    cap 84·spd 86·from $30/mo
  • Intercom Fin

    Intercom

    Resolves 50%+ of support tickets autonomously.

    cap 92·spd 96·from $99/mo
  • Hebbia

    Hebbia

    AI for finance & legal document analysis.

    cap 95·spd 80·from $500/mo
  • Canva Magic Studio

    Canva

    All-in-one design AI for non-designers.

    cap 78·spd 92·from $15/mo
Premium report

The full vendor teardown — for serious buyers.

60-page PDF. Pricing traps, hidden lock-in, ROI models, and 12-month forecasts for your vertical. Updated quarterly.

Preview the report — $49 →
payoff_report_q2_2026.pdf
Executive summaryp.7
Vendor concentration riskp.14
True cost of ownership (5yr)p.21
Switching cost analysisp.28
Negotiation leverage mapp.35
Q3 2026 forecastp.42

Compare AI tools by function and price

§02b · compare

Tools grouped by what they do, sorted by entry price. Capability is our 0–100 benchmark score; integration reflects how well the tool plugs into common business stacks.

Writing & assistants

ToolVendorCapabilityIntegrationFrom
Notion AINotion8094$10/mo
Canva Magic StudioCanva7886$15/mo
ChatGPTOpenAI9482$20/mo
ClaudeAnthropic9578$20/mo
GeminiGoogle9092$20/mo
JasperJasper AI8284$49/mo

Research & search

ToolVendorCapabilityIntegrationFrom
ChatGPTOpenAI9482$20/mo
ClaudeAnthropic9578$20/mo
GeminiGoogle9092$20/mo
PerplexityPerplexity AI8870$20/mo
HebbiaHebbia9585$500/mo

Coding

ToolVendorCapabilityIntegrationFrom
GitHub CopilotGitHub8695$10/mo
ChatGPTOpenAI9482$20/mo
ClaudeAnthropic9578$20/mo
CursorAnysphere9388$20/mo

Design & image

ToolVendorCapabilityIntegrationFrom
MidjourneyMidjourney9660$10/mo
RunwayRunway ML9070$15/mo
Canva Magic StudioCanva7886$15/mo

Video & audio

ToolVendorCapabilityIntegrationFrom
ElevenLabsElevenLabs9480$5/mo
RunwayRunway ML9070$15/mo

Automation

ToolVendorCapabilityIntegrationFrom
Notion AINotion8094$10/mo
Zapier AIZapier8498$30/mo

Customer support

ToolVendorCapabilityIntegrationFrom
Intercom FinIntercom9290$99/mo

Data analysis

ToolVendorCapabilityIntegrationFrom
ClaudeAnthropic9578$20/mo
GeminiGoogle9092$20/mo
HebbiaHebbia9585$500/mo

FAQ — by tool category

§03 · faq

The questions buyers actually ask before picking an AI tool — grouped by what you're trying to do.

Writing & general assistants

ChatGPT, Claude, Gemini, Jasper, Notion AI

Research & search

Perplexity, Gemini, ChatGPT with browsing

Coding assistants

Cursor, GitHub Copilot

Image, video & voice

Midjourney, Runway, ElevenLabs, Canva Magic Studio

Automation & customer support

Zapier AI, Intercom Fin

Data analysis

Hebbia, ChatGPT, Claude