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Quick Answer: A complete AI stack for small business under $100/month: Claude Pro ($20) for writing, Canva Pro ($13) for design, Tidio AI ($29) for customer service, Brevo ($25) for email marketing, and Wave (free) for accounting. Total: $87/month.
Last Updated: February 2026
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Small businesses don’t need enterprise AI budgets to get enterprise-level results. We built a complete AI-powered business stack — writing, design, customer service, marketing, accounting, and more — for under $100/month. Here’s the exact setup.
The Complete AI Stack Under $100/Month
| Function | Tool | Monthly Cost | What It Replaces |
|---|---|---|---|
| Writing & Content | Claude Pro | $20 | Freelance writer ($500+/mo) |
| Design & Visuals | Canva Pro | $13 | Graphic designer ($1,000+/mo) |
| Customer Service | Tidio AI | $29 | Part-time support rep ($1,500+/mo) |
| Email Marketing | Brevo (Sendinblue) | $25 | Mailchimp Standard ($45+/mo) |
| Accounting | Wave | Free | QuickBooks ($30/mo) |
| SEO | Ubersuggest | Free tier | Ahrefs ($99+/mo) |
| Social Media | Buffer Free + Gemini | Free | Social media manager ($2,000+/mo) |
| TOTAL | $87/month | Saves $5,000+/month |
Writing & Content: Claude Pro ($20/month)
Who It’s Best For
Any small business that needs blog posts, product descriptions, emails, proposals, or social media content.
Claude Pro is the backbone of your AI business stack. Use it for drafting blog posts, writing product descriptions, creating email campaigns, generating social media captions, and even drafting proposals and contracts. The quality is high enough that most content needs only light editing.
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What You Can Do
- Write 20-30 blog posts per month
- Generate hundreds of product descriptions
- Draft email sequences and newsletters
- Create social media content calendars
- Write and refine business proposals
- Summarize meeting notes and reports
Pro Tip
Create a “brand voice” document and include it in every Claude conversation. This ensures consistent tone across all your content.
Design & Visuals: Canva Pro ($13/month)
Canva’s AI features have turned it into a one-stop design shop for small businesses. Magic Design generates complete layouts from a text description. Magic Edit lets you modify images with natural language. And the Brand Kit ensures everything looks consistent.
What You Can Do
- Social media graphics (auto-resized for each platform)
- Presentations and pitch decks
- Product mockups and marketing materials
- Video thumbnails and ad creatives
- Logo variations and brand assets
Customer Service: Tidio AI ($29/month)
Tidio’s AI chatbot handles up to 70% of customer inquiries without human intervention. It learns from your FAQ, product catalog, and past conversations. When it can’t help, it smoothly hands off to a human. The Lyro AI add-on understands context and provides genuinely helpful responses.
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What You Get
- 24/7 automated customer support
- Live chat for complex issues
- FAQ automation
- Order tracking integration
- Lead qualification
Email Marketing: Brevo ($25/month)
Brevo (formerly Sendinblue) offers AI-powered email marketing at a fraction of Mailchimp’s price. The AI subject line generator and send-time optimization genuinely improve open rates. The $25/month plan gives you 20,000 emails — plenty for most small businesses.
What You Get
- AI subject line optimization
- Smart send-time scheduling
- Automated email sequences
- Landing page builder
- CRM included
Accounting: Wave (Free)
Wave provides free invoicing, accounting, and receipt scanning for small businesses. Its AI categorizes transactions automatically and generates financial reports. You only pay for payment processing and payroll.
SEO: Ubersuggest Free + Gemini
Pair Ubersuggest’s free keyword research (3 searches/day) with Gemini for content optimization. Ask Gemini to analyze top-ranking articles and suggest improvements for your content. It’s not as polished as Surfer SEO, but it’s free.
Alternative Stacks by Budget
| Budget | Writing | Design | Support | Total | |
|---|---|---|---|---|---|
| $0/mo | Gemini Free | Canva Free | Tidio Free | Brevo Free | $0 |
| $50/mo | Claude Pro ($20) | Canva Pro ($13) | Tidio Free | Brevo Free | $33 |
| $100/mo | Claude Pro ($20) | Canva Pro ($13) | Tidio AI ($29) | Brevo Starter ($25) | $87 |
| $200/mo | Jasper ($49) | Canva Pro ($13) | Intercom Starter ($74) | Brevo Business ($65) | $201 |
Implementation Timeline
You can set up this entire stack in a weekend:
- Day 1 (Saturday): Set up Claude Pro, create brand voice doc, write first week of content
- Day 1 (afternoon): Set up Canva Pro, create brand kit, design social media templates
- Day 2 (Sunday): Set up Tidio, configure chatbot with FAQ, set up Brevo email flows
- Day 2 (afternoon): Set up Wave accounting, connect bank accounts
The Bottom Line
For $87/month, you get an AI-powered business stack that would have cost $5,000+ in human services. The tools are mature enough that most small businesses can rely on them for daily operations. Start with the free tier of each tool, upgrade as you see results, and reinvest the savings into growing your business.