I spend about 180€/month on AI tools. In return, I ship 2-3x faster than in 2023. Here is exactly where each euro goes.
The stack
Claude Opus + Claude Code, Cursor, GitHub Copilot, v0, Gemini 2.5 Pro, Perplexity, ElevenLabs, Midjourney, Cline (free), Warp Terminal.
ROI
180€/month = 2160€/year. On a 600€ day rate, I need to save 4 days per year to break even. In practice I save 4 days per month. Crushing ROI.