Free 1Password vs Bitwarden Cost Calculator

Last updated: November 2, 2026

Quick answer: 1Password and Bitwarden look like a $19.95-against-$40 comparison — until headcount changes the answer: 1Password's Teams Starter Pack is a flat $19.95 a month for up to 10 users, while Bitwarden charges $4 or $6 per user, so the winner flips the moment the team grows past 10. A 10-person team pays $19.95 a month on 1Password Starter against $40 on Bitwarden Teams — but a 50-person team pays $449.50 on 1Password Business against $200 on Bitwarden Teams. This free 1Password vs Bitwarden cost calculator prices both on your team size, your plans and your account-recovery need over year 1 and 3 years. On the defaults (10 users, Starter Pack vs Teams), 1Password costs $19.95 a month, $239.40 in year 1 while Bitwarden costs $40 a month, $480 in year 1 — a $20.05 monthly gap, $240.60 a year, $721.80 over 3 flat years. Everything runs in your browser; your team size stays private.

Team size (users)

1Password plan

Bitwarden plan

Need admin account recovery (Bitwarden Enterprise feature)

Annual growth (%)

Setup / migration, one-time ($)

Annual list prices, November 2026: 1Password Teams Starter Pack $19.95 a month flat for up to 10 users; Business $8.99 per user a month on annual billing. Price-conflict note, stated honestly: October 2026 checks show Business at $8.99 per user a month, while some older listings show $7.99 — the math here uses $8.99, so if your quote shows $7.99, a 10-user Business bill is $79.90 instead of $89.90. Bitwarden Teams $4 per user a month, Enterprise $6 per user a month, annual billing; admin account recovery requires Enterprise, so a team that needs recovery and picks Teams must budget Enterprise instead. Bitwarden's free individual tier (for one person, not a team) is noted here only and is not a team plan. Worked checks: defaults (10 users, Starter Pack vs Teams) — 1Password $19.95 a month, $239.40 year 1; Bitwarden 10 × $4 = $40 a month, $480 year 1. 5 users, Starter Pack vs Teams — $19.95 vs $20.00: 1Password wins by $0.05. 50 users, Business vs Teams — 50 × $8.99 = $449.50 vs 50 × $4 = $200.00: Bitwarden wins. 50 users, Business vs Enterprise — $449.50 vs $300.00. Recovery on, 10 users, Starter Pack vs Teams — $19.95 vs $40.00 with a warning: recovery requires Enterprise, so the fitting path is Enterprise at $60.00 a month. Starter-cap (11 users, Starter Pack vs Teams) — warning: the pack covers 10 members, so the fitting path is Business at 11 × $8.99 = $98.89 a month, against Bitwarden $44.00. Verify at checkout before signing.

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See the full breakdown

Your result shows the monthly gap and the 3-year totals — the guide explains the Starter Pack wall, the 11th-user cliff, and the Enterprise recovery rule.

1Password vs Bitwarden Pricing: The $19.95 Starter Pack vs Per-User Math (2026) →

How to Use the 1Password vs Bitwarden Cost Calculator

Enter your team size — everyone who needs a vault seat. 1Password's Starter Pack covers 10 users flat, so team size decides whether the flat pack or a per-user rate applies; Bitwarden bills every user at $4 or $6.
Pick your 1Password plan — Teams Starter Pack ($19.95 flat, up to 10 users) or Business ($8.99 per user). The Starter Pack is the small-team comparison; Business is the comparison for any team over 10.
Pick your Bitwarden plan — Teams ($4 per user) or Enterprise ($6 per user) — and tick Need admin account recovery if your IT policy requires admins to recover locked accounts. Recovery is an Enterprise feature on Bitwarden, so ticking it with Teams selected shows the Enterprise fitting price.
Enter annual growth and setup / migration if they apply. Growth scales team size every year (and pushes Starter Pack teams over the 10-user wall in later years); setup lands in year 1 only.
Press Compare total cost. Read the fit line before the totals: if the Starter Pack no longer covers your team, or recovery forces Enterprise, the fitting price — not the chosen-plan price — is the honest comparison.

Why Use Our 1Password vs Bitwarden Cost Calculator?

A flat pack against per-user rates — the Starter Pack's $19.95 flat rate means a 5-user team pays $19.95 against Bitwarden Teams' $20.00 (a $0.05 gap) and a 10-user team pays $19.95 against $40.00 (a $20.05 gap). Flat pricing rewards exactly-10 teams and punishes nobody under 10 — but the 11th user ends the flat rate entirely, and the bill jumps to Business per-user pricing.
The 11th user is a cliff, not a slope — at 10 users the Starter Pack costs $19.95; at 11 users the fitting path is Business at $98.89 (11 × $8.99), a $78.94 jump for one hire, while Bitwarden Teams moves from $40 to $44. Any team planning an 11th hire should budget Business, not the Starter Pack, from the start.
Account recovery is an Enterprise line — Bitwarden's admin account recovery requires Enterprise ($6 per user), so a 10-user team that needs recovery pays $60 on the fitting path, not $40 on Teams. 1Password's recovery story differs by plan, so compare recovery features plan-to-plan rather than assuming both vendors include it at the base rate.
The $8.99 vs $7.99 conflict, stated not hidden — October 2026 checks show 1Password Business at $8.99 per user a month on annual billing, while some older listings show $7.99. This calculator uses $8.99 throughout and says so on the page; if your quote shows $7.99, subtract $1 per user per month from every Business figure (a 50-user bill becomes $399.50, not $449.50).
November 2026 list prices, both vendors — 1Password Starter Pack $19.95 flat (up to 10 users), Business $8.99 per user; Bitwarden Teams $4, Enterprise $6 per user, annual billing. Bitwarden's free individual tier is for one person, not a team, and is noted in copy only. Verify at checkout.

Common Use Cases

A 10-user team on Starter Pack vs Teams: 1Password $19.95 against Bitwarden $40 a month; year 1 $239.40 against $480; 3 flat years $718.20 against $1,440. 1Password wins by $721.80, and the flat pack is at its best value at exactly 10 users.
A 5-user team on Starter Pack vs Teams: 1Password $19.95 against Bitwarden $20.00 a month — a $0.05 gap, $1.80 over 3 flat years. The price comparison is a tie for practical purposes, so the choice is features: 1Password's polish and Travel Mode against Bitwarden's open-source self-hosting option.
A 50-user team on Business vs Teams, with recovery: Without recovery: $449.50 against $200 a month. With recovery required: Bitwarden's fitting path is Enterprise at $300, so the comparison becomes $449.50 against $300 — Bitwarden still wins by $149.50 a month, $5,382 over 3 flat years.

1Password vs Bitwarden Cost Calculator vs Alternatives

Default monthly: 1Password Starter Pack $19.95 against Bitwarden Teams $40 (10 users).
Billing unit: 1Password Starter Pack: flat $19.95 for up to 10 users. Everything else: per user (1Password Business $8.99, Bitwarden Teams $4, Enterprise $6).
The cliff: The 11th user moves 1Password from $19.95 flat to $98.89 Business; Bitwarden moves from $40 to $44.
Account recovery: Bitwarden: Enterprise-only ($6/user). A recovery requirement moves a 10-user Teams bill from $40 to $60.
Price conflict: 1Password Business $8.99/user/mo (Oct 2026 checks) vs $7.99 in some older listings — math uses $8.99, verify at checkout.

The honest summary: 1Password wins small teams on the Starter Pack's flat rate — by $0.05 at 5 users, by $20.05 at 10 — and Bitwarden wins every larger team on per-user rates, by $249.50 a month at 50 users even after the Enterprise recovery uplift. The deciding factors in order: your team size against the 10-user pack wall, whether admin account recovery is required, and the Business rate on your actual quote. Buy 1Password for small-team polish at a flat price, Bitwarden for larger teams and self-hosting; price the tier your headcount and recovery policy actually require.

Frequently Asked Questions

Is 1Password or Bitwarden cheaper?

It depends on team size — that is the whole comparison. At the defaults (10 users, Starter Pack vs Teams) 1Password wins: $19.95 against $40 a month, $239.40 against $480 in year 1. At 50 users (Business vs Teams) Bitwarden wins: $449.50 against $200 a month. At 5 users 1Password wins by $0.05 ($19.95 against $20.00). Name your team size before you name a winner.

What happens when my team grows past 10 on the Starter Pack?

The flat rate ends: the Starter Pack covers up to 10 members, so an 11-user team must move to Business at $8.99 per user — $98.89 a month for 11 users, against Bitwarden Teams' $44. The calculator keeps the chosen-plan $19.95 in the main table and shows the $98.89 fitting path in the warning, so the cliff is visible instead of hidden.

Why does account recovery change the Bitwarden price?

Because admin account recovery is an Enterprise feature on Bitwarden: Teams ($4 per user) does not include it, so a team that requires recovery must budget Enterprise ($6 per user) — $60 a month for 10 users instead of $40. If your IT policy does not require admin recovery, leave the box unticked and Teams is the honest comparison.

Is 1Password Business $8.99 or $7.99 per user?

October 2026 checks show $8.99 per user a month on annual billing, and this calculator uses $8.99; some older listings show $7.99. The $1 difference matters at scale (50 users: $449.50 vs $399.50), so verify the rate on your actual quote before signing — and if your quote shows $7.99, subtract $1 per user from every Business figure here.

Is Bitwarden's free tier a team option?

No: Bitwarden's free tier is an individual plan for one person, not a team plan, so it is noted in copy only and never priced as a team option. A team comparing $0 against $19.95 is comparing an individual account against a team pack — the honest team floor is Bitwarden Teams at $4 per user.