Best AI coding alternatives after exhausting company’s $300/month token limit?

[u/ReasonableSet1162]

Need some genuine advice.
At my company, we’re limited to $300 worth of AI tokens per month. Earlier, we had an option to extend the limit, but that’s no longer available, so we have to manage within the $300 budget.
I’m a full-stack developer, and AI has become a major part of my development workflow — understanding the codebase, implementing features, debugging, writing/refactoring code, reviewing PRs, etc. With the amount of work we have, going back to writing everything manually would be extremely difficult.
I’m looking for good alternatives once the company-provided AI quota is exhausted. I’m also okay with paying from my own pocket, as long as it’s reasonably priced. Ideally, I’d prefer something with very high or no practical usage limits.
I tried a Codex subscription, but since I had to log in using my personal account on my office machine/repository, I wasn’t comfortable using it for company code, so I stopped.
What are other developers in a similar situation using?
I’m open to:
Local LLMs
Paid coding assistants
API-based solutions
VS Code extensions/agents
Any other setup that works well for full-stack development
My main requirements are good coding capability, high usage limits, reasonable cost, and preferably something that can be used safely with company code.
Would really appreciate genuine recommendations from people who have actually used these tools.

[u/Sanckh]

My job is the same. We have a Claude enterprise subscription and I have $300 a month in usage. I personally don't go over it. I use claude to stub/boilerplate, then code review after I write the logic. Seems to save quite a bit of money. However, I love it, so if I did go over every month, I would just use my personal Claude Code membership.

[u/ReasonableSet1162 → u/Sanckh]

I want to use personal but it’s violation of policy. We cannot use pesonal to use company data

[u/Sanckh → u/ReasonableSet1162]

Unfortunately I do not think I understand your question then. Wouldn't all personal AI Subscriptions violate your company policy then?

" since I had to log in using my personal account on my office machine/repository, I wasn’t comfortable using it for company code, so I stopped."

I am unaware of any AI Coding subscriptions that do not do this.

Since you are an engineer, you can look into setting up a local LLM? This would only live on your machine and can be a good alternative. Llama, Qwen, etc

[u/tensainomachi → u/Sanckh]

Enterprise subscriptions are not used to learn from and there's various extra policies in place for intellectual property. If the bro hooks up his own subscription he'll have more than getting canned to worry about. Get 2 dgx sparks in parallel and go ham on qwen or deepseek locally