When does Max plan become worth it over Pro + overage fees?

Hey everyone,

Currently on the Pro plan but I’ve been using Claude Code pretty heavily for the past weeks and my overage charges are getting ridiculous — around $400/month on top of the Pro subscription.

Now I’m looking at the Max plans ($100/month and $200/month) and wondering: is there a way to calculate the break-even point? Like, at what usage level does upgrading to Max actually save money compared to Pro + overages?

And from what I understand, even on Max you can hit limits and end up paying extra at some point. So has anyone figured out roughly where that threshold is?

Would love to hear from people who made the switch — did it actually reduce your total spend, or did you just end up hitting the Max plan limits too?

Thanks!