Last updated: July 22, 2026 · Reading time: ~16 minutes
Quick verdict: A serious solopreneur AI stack under $100/month is four layers — think (ChatGPT Plus or Claude Pro ~$17–20), automate (Make Core ~$12), publish (Carrd ~$2/mo equivalent + free CapCut + free newsletter), and one specialty (voice, SEO, or code — not all three). Total realistic floor: ~$35–55. The $100 ceiling is for adding Cursor, Midjourney Basic, or NeuronWriter — not for buying every “AI” SaaS that DMs you. Skip Lindy ($50+), Clearscope, and dual AI chat subscriptions until revenue demands them.
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