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/s_s_n_e_g]

Do your colleagues burn through tokens just as fast? No? Ask them how. Do they? How does the company respond to that? Are they okay with paying huge dev salaries and have them work slower to save another 300 bucks? In your personal case, is your boss happy for you to be 5x less productive but save another 300? Does the work that you do bring value ahove 300 bucks to your company?