Decision matrixWhere each option wins and where it breaks down
The point is not to pretend every alternative is bad. It is to make the tradeoff obvious for a Mac builder who needs a live operating signal.
Tokens versus dollars
tokcat is built around token volume, with cost estimated from a bundled model price table. T4B is built around spend: live cost, a month-end projection, and the rate-limit pressure that decides whether your session survives the afternoon.
The subscription half of the bill
For most builders, fixed plans like Claude Pro or Max, ChatGPT Plus, Cursor, and Copilot are the larger line item. tokcat does not track subscriptions. T4B keeps them next to usage-based spend so the monthly total is the real one.
Guardrails, not just history
tokcat shows you what already happened, including streaks and daily summaries. T4B adds the controls that change the outcome: per-provider budgets, Focus Mode session caps for runaway agent loops, and alerts before a limit lands.
Coverage and setup
tokcat reads local logs for a wide set of coding CLIs and needs no keys for usage history. T4B covers eight providers including Claude Web live rate limits via session key, with the other providers connected by a single API key paste. Both keep your data on your Mac.