Do not index
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Updated October 21, 2026. The monthly subscription fee is the number platforms advertise. It is not the number that determines how much money you actually keep.
Most coaches shopping AI coaching platforms in 2026 compare monthly fees and stop there. That comparison misses transaction fees, revenue sharing clauses, and in some cases the discovery that monetization is not even available on standard plans. After reviewing the live pricing pages of the major platforms this August, the picture is more complex than most comparison articles suggest.
What Do the Major AI Coaching Platforms Charge in 2026?
Delphi has four pricing tiers. The Builder plan runs $79/month and the Scaler plan runs $299/month, both on annual billing (per delphi.ai/pricing, checked August 2026). The Immortal plan is custom-priced. That sounds straightforward until you look at the feature breakdown: "Monetization" appears exclusively on the Immortal plan. Builder and Scaler do not include it.
This matters because it means coaches on Delphi's standard plans cannot charge their subscribers. If you sign up for the $79 or $299 plan expecting to generate revenue from your AI twin, you will need to upgrade to an undisclosed enterprise price before you can collect a dollar. Delphi does not publish a revenue-share figure on their pricing page as of August 2026.
Coachvox takes a one-plan approach at $83/month billed annually (per coachvox.ai, checked August 2026). Coaches can charge for access through Stripe integration. However, Coachvox does not publish their full fee structure on their website. According to an independent analysis by Personify.fyi (checked August 2026), Coachvox charges approximately 10% per transaction on top of standard Stripe processing fees. Coachvox does not confirm or deny this figure on their own site.
Rocky.ai runs differently from all the others. Their individual plan is $9.99/month, and their white-label plans run $99/month for 5 users and $199/month for 20 users (per rocky.ai/pricing, checked August 2026). Rocky.ai is structured as a B2B corporate wellness platform, not a creator monetization tool. Their white-label offering is designed for organizations deploying an AI coach to their internal teams, not for expert coaches building premium subscription products for their personal audiences. If you are an author, speaker, or coach looking to sell a $1-2K/year subscription to your existing following, Rocky.ai is solving a different problem.
Personify offers the lowest entry point with their Pro plan at $29/month or $348 annually (per personify.fyi, checked August 2026). It includes Stripe Connect for charging clients and does not list transaction fees on their website. White-label access requires custom pricing. For coaches who need a simple website Q&A tool, Personify is the most accessible option on the platform-fee side of the equation.
BuddyPro charges $197/month on annual billing ($2,364/year) as the expert license fee. Experts keep 100% of the profit from subscriber revenue, with typical margins of 75-85% after AI usage costs of roughly $15-30 per subscriber monthly. The platform has launched 150+ AI twins and generated over $5M in total subscription revenue for experts. Full subscription billing, white-label branding, and unlimited paying users are included on the standard plan.
Here is how the five main platforms compare on the factors that actually matter for creator subscription businesses:
Platform | Monthly Fee (Annual Billing) | Revenue Share | Charge Subscribers? | White Label? |
Delphi | $79-$299/mo | Not published; Immortal plan only (custom pricing) | No on standard plans | Immortal only |
Coachvox | $83/mo | ~10% per transaction (per Personify.fyi; not published by Coachvox) | Yes | No |
Rocky.ai | $9.99-$199/mo | Not disclosed | B2B team model; not designed for creator subscriptions | From $99/mo (team plans) |
Personify | $29/mo | Not listed | Yes, via Stripe Connect | Custom pricing |
BuddyPro | $197/mo ($2,364/yr) | None - expert keeps 100% of profit | Yes, full subscription billing | Yes, included |
How Does Revenue Share Change the Math at Scale?
The platform fee difference between options looks significant in isolation. It stops looking significant once you account for revenue sharing at scale.
Consider an expert with 100 subscribers paying $1,000 annually. That is $100,000 in annual subscription revenue. On a platform that takes 10% per transaction, $10,000 of that goes to the platform every year, not counting Stripe's standard 2.9% on top. The lower monthly fee creates a higher actual cost as soon as subscribers start paying.
At 200 subscribers on the same model, the platform takes $20,000. At 300 subscribers, $30,000. Over three to five years of growth, the cumulative amount paid to a revenue-sharing platform can easily exceed the total license fees paid to a higher-ticket platform with no revenue share.
This is the math that matters when choosing a platform. A $29/month platform with 10% revenue share costs more at 300 subscribers than a $197/month platform with zero revenue share. The break-even on platform fees alone happens at roughly 20 subscribers paying $1,000/year. Every subscriber beyond that, the no-revenue-share platform is cheaper.
For a detailed breakdown of how platform economics play out across years of growth, the analysis at davidriha.com on AI coaching platform revenue share walks through the five-year numbers.
What Should You Actually Look for Beyond the Monthly Fee?
First: confirm that monetization is available on the standard plan. This is now a non-obvious question. Some platforms restrict the ability to charge subscribers to enterprise tiers at undisclosed prices. Before signing up for anything, ask specifically whether the plan you are considering lets you connect Stripe, set subscription pricing, and collect revenue from day one.
Second: calculate your total cost at your subscriber target. Take the monthly platform fee, add any revenue share on your projected annual subscriber revenue, and compare platforms on the combined number, not just the platform fee. The ranking changes dramatically once you include revenue share. We cover the full unit economics breakdown in our piece on AI coaching subscriber retention in 2026.
Third: think about where your subscribers will actually engage. Platforms built on website embeds rely on subscribers returning to a site to interact with the AI. Platforms that run through messaging apps, where the AI can initiate conversations and send proactive check-ins, typically see meaningfully higher engagement and retention. Retention directly determines the lifetime value of each subscriber, which is what actually determines whether your $1-2K/year price holds over time.
Fourth: verify your IP is protected. Some platforms use your content to improve their general models. Others keep your content isolated and encrypted. This matters both for your competitive position and for your subscribers' privacy.
The coaches who get the most out of AI subscription products in 2026 choose platforms based on total economics and subscriber outcomes, not just the line-item monthly fee. The platforms that appear expensive upfront often return significantly more per subscriber over the product's lifetime, simply because no revenue is extracted on the way out. More on how to price your AI coaching subscription and what price points have held best across different niches. Explore what 150+ experts have already built at buddypro.ai.
Related Reading
Sources
- delphi.ai/pricing, checked August 2026
- coachvox.ai, checked August 2026
- rocky.ai/pricing, checked August 2026
- personify.fyi, checked August 2026
- Personify.fyi competitive analysis (personify.fyi/blog/delphi-vs-coachvox/), accessed via ChatGPT web search, August 2026
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