Quick take

Savings Plans win on flexibility. Reserved Instances still win on raw discount for narrow, well-predicted workloads. The break-even is not a number, it is a question about your roadmap.

If you only have two minutes:

3-year No-Upfront Compute SP is the safe default for compute-heavy accounts in 2026.

Standard EC2 RIs beat SPs by 1 to 4 percentage points on commitment discount, but lock you into instance family.