The venture capital firm Andreessen Horowitz (a16z) says AI consumer adoption is still in the early innings and has more room to run to the upside.
In the latest edition of its Chart of the Week, a16z cites data from Bank of America, which found that only 3% of households are paying for AI subscriptions.
While the figure is “tiny,” a16z says it is growing fairly quickly.
“The number of households ‘making AI payments’ is up nearly 40%, relative to February 2024.
That growth is impressive, but it’s nothing like the growth we’ve seen on the enterprise side. At only 3% penetration, there is an awful lot of room to run in consumer-AI.”
The firm also says those who are paying for AI subscriptions tend to spend more.
“The other thing to keep in mind is that among households who are spending on AI, the bigger spenders are increasingly a larger share of the pie.
While the majority of paying households are still paying $20 or less monthly, over 40% are now paying more than that, and every ‘big spending’ group increased its relative share.
Consumers who are spending on AI are spending more and more.”
Looking at a16z’s chart, it appears that AI subscription spending is shifting upward as the share of households paying less than $20 per month has shrunk sharply from 2024 to year-to-date in 2026. The mid-tier ($21–$40) is now dominant and growing, becoming the core spending band, and high spenders are rising fast.
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