Ps4 is by half. If Xbox charges 10 a month in a year that $120. You can buy a year pass on ps4 for $60
Or go online and look around and buy a year pass for $40. Even if you don't get it on sale year passes retail at $59.99. same as psn plus. Only real difference to me between the two is with Xbox gold if you don't renew your subscription you can still play any of the monthly games you got when you did. Where with Psn plus you have to have an active subscription or the games can't be played.