diff --git a/Sources/CodexBar/MenuCardView.swift b/Sources/CodexBar/MenuCardView.swift
index e0c54f639..e1e71c2a7 100644
--- a/Sources/CodexBar/MenuCardView.swift
+++ b/Sources/CodexBar/MenuCardView.swift
@@ -631,6 +631,7 @@ extension UsageMenuCardView.Model {
         let usageBarsShowUsed: Bool
         let resetTimeDisplayStyle: ResetTimeDisplayStyle
         let tokenCostUsageEnabled: Bool
+        let showEstimatedCostForSubscriptions: Bool
         let showOptionalCreditsAndExtraUsage: Bool
         let sourceLabel: String?
         let kiloAutoMode: Bool
@@ -653,6 +654,7 @@ extension UsageMenuCardView.Model {
             usageBarsShowUsed: Bool,
             resetTimeDisplayStyle: ResetTimeDisplayStyle,
             tokenCostUsageEnabled: Bool,
+            showEstimatedCostForSubscriptions: Bool = true,
             showOptionalCreditsAndExtraUsage: Bool,
             sourceLabel: String? = nil,
             kiloAutoMode: Bool = false,
@@ -674,6 +676,7 @@ extension UsageMenuCardView.Model {
             self.usageBarsShowUsed = usageBarsShowUsed
             self.resetTimeDisplayStyle = resetTimeDisplayStyle
             self.tokenCostUsageEnabled = tokenCostUsageEnabled
+            self.showEstimatedCostForSubscriptions = showEstimatedCostForSubscriptions
             self.showOptionalCreditsAndExtraUsage = showOptionalCreditsAndExtraUsage
             self.sourceLabel = sourceLabel
             self.kiloAutoMode = kiloAutoMode
@@ -702,11 +705,15 @@ extension UsageMenuCardView.Model {
         } else {
             Self.providerCostSection(provider: input.provider, cost: input.snapshot?.providerCost)
         }
+        let loginMethod = input.snapshot?.loginMethod(for: input.provider)
+        let isSubscription = input.provider == .claude && UsageStore.isSubscriptionPlan(loginMethod)
         let tokenUsage = Self.tokenUsageSection(
             provider: input.provider,
             enabled: input.tokenCostUsageEnabled,
             snapshot: input.tokenSnapshot,
-            error: input.tokenError)
+            error: input.tokenError,
+            isSubscription: isSubscription,
+            showEstimatedCost: input.showEstimatedCostForSubscriptions)
         let subtitle = Self.subtitle(
             snapshot: input.snapshot,
             isRefreshing: input.isRefreshing,
@@ -1094,36 +1101,54 @@ extension UsageMenuCardView.Model {
         provider: UsageProvider,
         enabled: Bool,
         snapshot: CostUsageTokenSnapshot?,
-        error: String?) -> TokenUsageSection?
+        error: String?,
+        isSubscription: Bool = false,
+        showEstimatedCost: Bool = true) -> TokenUsageSection?
     {
         guard provider == .codex || provider == .claude || provider == .vertexai else { return nil }
         guard enabled else { return nil }
         guard let snapshot else { return nil }
 
-        let sessionCost = snapshot.sessionCostUSD.map { UsageFormatter.usdString($0) } ?? "—"
+        // For subscription users, cost display is controlled by a setting.
+        // When shown, a hint line clarifies these are API-equivalent estimates.
+        let showCost = !isSubscription || showEstimatedCost
+
+        let sessionCost = showCost ? (snapshot.sessionCostUSD.map { UsageFormatter.usdString($0) } ?? "—") : nil
         let sessionTokens = snapshot.sessionTokens.map { UsageFormatter.tokenCountString($0) }
         let sessionLine: String = {
-            if let sessionTokens {
+            if let sessionTokens, let sessionCost {
                 return "Today: \(sessionCost) · \(sessionTokens) tokens"
+            } else if let sessionTokens {
+                return "Today: \(sessionTokens) tokens"
+            } else if let sessionCost {
+                return "Today: \(sessionCost)"
             }
-            return "Today: \(sessionCost)"
+            return "Today: —"
         }()
 
-        let monthCost = snapshot.last30DaysCostUSD.map { UsageFormatter.usdString($0) } ?? "—"
+        let monthCost = showCost ? (snapshot.last30DaysCostUSD.map { UsageFormatter.usdString($0) } ?? "—") : nil
         let fallbackTokens = snapshot.daily.compactMap(\.totalTokens).reduce(0, +)
         let monthTokensValue = snapshot.last30DaysTokens ?? (fallbackTokens > 0 ? fallbackTokens : nil)
         let monthTokens = monthTokensValue.map { UsageFormatter.tokenCountString($0) }
         let monthLine: String = {
-            if let monthTokens {
+            if let monthTokens, let monthCost {
                 return "Last 30 days: \(monthCost) · \(monthTokens) tokens"
+            } else if let monthTokens {
+                return "Last 30 days: \(monthTokens) tokens"
+            } else if let monthCost {
+                return "Last 30 days: \(monthCost)"
             }
-            return "Last 30 days: \(monthCost)"
+            return "Last 30 days: —"
         }()
+
+        let hintLine: String? = (isSubscription && showCost)
+            ? "Estimated at API rates — not your actual spend"
+            : nil
         let err = (error?.isEmpty ?? true) ? nil : error
         return TokenUsageSection(
             sessionLine: sessionLine,
             monthLine: monthLine,
-            hintLine: nil,
+            hintLine: hintLine,
             errorLine: err,
             errorCopyText: (error?.isEmpty ?? true) ? nil : error)
     }
diff --git a/Sources/CodexBar/PreferencesGeneralPane.swift b/Sources/CodexBar/PreferencesGeneralPane.swift
index 39a95a55f..7a06630ad 100644
--- a/Sources/CodexBar/PreferencesGeneralPane.swift
+++ b/Sources/CodexBar/PreferencesGeneralPane.swift
@@ -47,6 +47,19 @@ struct GeneralPane: View {
                                     .font(.footnote)
                                     .foregroundStyle(.tertiary)
 
+                                Toggle(isOn: self.$settings.showEstimatedCostForSubscriptions) {
+                                    Text("Include cost for subscription plans")
+                                        .font(.body)
+                                }
+                                .toggleStyle(.checkbox)
+
+                                Text(
+                                    "Show API-equivalent cost estimates for Claude subscription users (Pro, Max, Team). These are not actual charges."
+                                )
+                                .font(.footnote)
+                                .foregroundStyle(.tertiary)
+                                .fixedSize(horizontal: false, vertical: true)
+
                                 self.costStatusLine(provider: .claude)
                                 self.costStatusLine(provider: .codex)
                             }
diff --git a/Sources/CodexBar/PreferencesProvidersPane.swift b/Sources/CodexBar/PreferencesProvidersPane.swift
index 877c78da9..b42eef339 100644
--- a/Sources/CodexBar/PreferencesProvidersPane.swift
+++ b/Sources/CodexBar/PreferencesProvidersPane.swift
@@ -354,6 +354,7 @@ struct ProvidersPane: View {
             usageBarsShowUsed: self.settings.usageBarsShowUsed,
             resetTimeDisplayStyle: self.settings.resetTimeDisplayStyle,
             tokenCostUsageEnabled: self.settings.isCostUsageEffectivelyEnabled(for: provider),
+            showEstimatedCostForSubscriptions: self.settings.showEstimatedCostForSubscriptions,
             showOptionalCreditsAndExtraUsage: self.settings.showOptionalCreditsAndExtraUsage,
             hidePersonalInfo: self.settings.hidePersonalInfo,
             now: Date())
diff --git a/Sources/CodexBar/SettingsStore+Defaults.swift b/Sources/CodexBar/SettingsStore+Defaults.swift
index a5d9924d0..a214a7b83 100644
--- a/Sources/CodexBar/SettingsStore+Defaults.swift
+++ b/Sources/CodexBar/SettingsStore+Defaults.swift
@@ -166,6 +166,14 @@ extension SettingsStore {
         }
     }
 
+    var showEstimatedCostForSubscriptions: Bool {
+        get { self.defaultsState.showEstimatedCostForSubscriptions }
+        set {
+            self.defaultsState.showEstimatedCostForSubscriptions = newValue
+            self.userDefaults.set(newValue, forKey: "showEstimatedCostForSubscriptions")
+        }
+    }
+
     var hidePersonalInfo: Bool {
         get { self.defaultsState.hidePersonalInfo }
         set {
diff --git a/Sources/CodexBar/SettingsStore.swift b/Sources/CodexBar/SettingsStore.swift
index a45a78cf6..f17425de2 100644
--- a/Sources/CodexBar/SettingsStore.swift
+++ b/Sources/CodexBar/SettingsStore.swift
@@ -207,6 +207,11 @@ extension SettingsStore {
         let claudeOAuthKeychainPromptModeRaw = userDefaults.string(forKey: "claudeOAuthKeychainPromptMode")
         let claudeOAuthKeychainReadStrategyRaw = userDefaults.string(forKey: "claudeOAuthKeychainReadStrategy")
         let claudeWebExtrasEnabledRaw = userDefaults.object(forKey: "claudeWebExtrasEnabled") as? Bool ?? false
+        let showEstimatedCostDefault = userDefaults.object(forKey: "showEstimatedCostForSubscriptions") as? Bool
+        let showEstimatedCostForSubscriptions = showEstimatedCostDefault ?? true
+        if showEstimatedCostDefault == nil {
+            userDefaults.set(true, forKey: "showEstimatedCostForSubscriptions")
+        }
         let creditsExtrasDefault = userDefaults.object(forKey: "showOptionalCreditsAndExtraUsage") as? Bool
         let showOptionalCreditsAndExtraUsage = creditsExtrasDefault ?? true
         if creditsExtrasDefault == nil { userDefaults.set(true, forKey: "showOptionalCreditsAndExtraUsage") }
@@ -247,6 +252,7 @@ extension SettingsStore {
             claudeOAuthKeychainPromptModeRaw: claudeOAuthKeychainPromptModeRaw,
             claudeOAuthKeychainReadStrategyRaw: claudeOAuthKeychainReadStrategyRaw,
             claudeWebExtrasEnabledRaw: claudeWebExtrasEnabledRaw,
+            showEstimatedCostForSubscriptions: showEstimatedCostForSubscriptions,
             showOptionalCreditsAndExtraUsage: showOptionalCreditsAndExtraUsage,
             openAIWebAccessEnabled: openAIWebAccessEnabled,
             jetbrainsIDEBasePath: jetbrainsIDEBasePath,
diff --git a/Sources/CodexBar/SettingsStoreState.swift b/Sources/CodexBar/SettingsStoreState.swift
index 28295b20a..628bf12f6 100644
--- a/Sources/CodexBar/SettingsStoreState.swift
+++ b/Sources/CodexBar/SettingsStoreState.swift
@@ -24,6 +24,7 @@ struct SettingsDefaultsState: Sendable {
     var claudeOAuthKeychainPromptModeRaw: String?
     var claudeOAuthKeychainReadStrategyRaw: String?
     var claudeWebExtrasEnabledRaw: Bool
+    var showEstimatedCostForSubscriptions: Bool
     var showOptionalCreditsAndExtraUsage: Bool
     var openAIWebAccessEnabled: Bool
     var jetbrainsIDEBasePath: String
diff --git a/Sources/CodexBar/StatusItemController+Menu.swift b/Sources/CodexBar/StatusItemController+Menu.swift
index 2e7df0192..7965d0d64 100644
--- a/Sources/CodexBar/StatusItemController+Menu.swift
+++ b/Sources/CodexBar/StatusItemController+Menu.swift
@@ -1412,6 +1412,7 @@ extension StatusItemController {
             usageBarsShowUsed: self.settings.usageBarsShowUsed,
             resetTimeDisplayStyle: self.settings.resetTimeDisplayStyle,
             tokenCostUsageEnabled: self.settings.isCostUsageEffectivelyEnabled(for: target),
+            showEstimatedCostForSubscriptions: self.settings.showEstimatedCostForSubscriptions,
             showOptionalCreditsAndExtraUsage: self.settings.showOptionalCreditsAndExtraUsage,
             sourceLabel: sourceLabel,
             kiloAutoMode: kiloAutoMode,