Have you tried OpenRouter (https://openrouter.ai)? I’ve been happy using it as a unified api provider with great model coverage (including Google, Anthropic, OpenAI, Grok, and the major open models). They charge 5% on top of each model’s api costs, but I think it’s worth it to have one centralized place to insert my money and monitor my usage. I like being able to switch out models without having to change my tools, and I like being able to easily head-to-head compare claude/gemini/gpt when I get stuck on a tricky problem.

Then you just have to find a coding tool that works with OpenRouter. Afaik claude/codex/cursor don’t, at least not without weird hacks, but various of the OSS tools do — cline, roo code, opencode, etc. I recently started using opencode (https://github.com/sst/opencode), which is like an open version of claude code, and I’ve been quite happy with it. It’s a newer project so There Will Be Bugs, but the devs are very active and responsive to issues and PRs.