Verified Oct 19, 2026 on official pricing pages
AI coding tool pricing: which plan do you actually need?
All 26 plans for Cursor, GitHub Copilot, Claude Code, Devin Desktop (formerly Windsurf), Lovable and Bolt.new in one place, with yearly prices, team costs, the extras that aren't in the sticker price, and an honest "skip it if" for each tool.
Short answers
- Cheapest paid plan: Cursor Plus, $8/mo, but Grok models only.
- Cheapest with Claude and GPT included: GitHub Copilot Pro, $10/mo (1,500 AI credits).
- Best $20 plans: Claude Pro (includes Claude Code; $17/mo billed yearly) and Devin Desktop Pro (frontier models plus Devin Cloud agents).
- Cheapest for a group: Lovable, which doesn't charge per seat: Business is $50/mo for unlimited users.
- Biggest yearly saving: Bolt Pro, $216/yr instead of $300 (28% off).
- Watch out: Claude and GPT inside Cursor cost extra at API list price, on top of a $30+ plan.
Cost calculator
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All six at a glance
Free tier, entry price, which models are really included, agents, and team pricing.
| Tool | Free tier | Starting paid | Models included | Agents | Works in | Teams from |
|---|---|---|---|---|---|---|
| Cursor | Yes: limited agent and chat requests | $8/mo | Grok models included; Claude/GPT on Premium+ at extra API cost | Agent on all plans; cloud agents and Bugbot reviews on Premium+ | Own desktop IDE (VS Code-based) | $30/seat |
| GitHub Copilot | Yes: 2,000 completions/mo, limited credits, auto model | $10/mo | Claude, GPT, Gemini, Grok and more inside your credits (paid plans) | Agent mode, cloud agent, code review (limited on Free) | Extension for VS Code, JetBrains and more, plus GitHub, CLI, app | $19/seat |
| Claude Code | No: Claude Free doesn't include Claude Code | $20/mo | Claude only (Sonnet, Opus, Haiku) inside plan usage | Agent-first: terminal, IDE extensions, desktop | Terminal / IDE agent | $25/seat ($20 billed annually) |
| Devin Desktop | Yes: light agent quota, unlimited Tab and inline edits | $20/mo | Frontier OpenAI, Claude, Gemini + SWE-2 (Pro+) | Local agents; Devin Cloud agents on Pro+ | Own desktop IDE (formerly Windsurf) | $80/mo + $40/seat |
| Lovable | Yes: 5 credits/day (up to 30/mo) | $25/mo | Managed by Lovable (you don't pick) | Chat-to-app builder with hosting | Browser app builder | $50/mo, unlimited users |
| Bolt.new | Yes: 1M tokens/mo, 300K/day, Bolt branding | $25/mo | Newest AI models on Pro (managed by Bolt) | Chat-to-app builder with real project files | Browser IDE / app builder | $30/member ($27 annual) |
What a team of 5 pays
Five people, cheapest team plan, monthly billing. Verified Oct 19, 2026.
| Tool and plan | Per month | Per year | Notes |
|---|---|---|---|
| Lovable Business | $50 | $600 ($504 billed annually) | Flat price, unlimited users share 100 credits |
| GitHub Copilot Business | $95 | $1,140 | 5 × $19; 1,900 credits per user, pooled |
| Claude Team (standard seats) | $125 | $1,500 ($1,200 billed annually) | 5 × $25, or $20 billed annually |
| Cursor Teams (Premium seats) | $150 | $1,800 | 5 × $30; Claude/GPT billed extra at API price |
| Bolt Teams | $150 | $1,800 ($1,620 billed annually) | 5 × $30, or $27 billed annually |
| Devin Desktop Teams | $280 | $3,360 | $80 team plan + 5 × $40 full dev seats |
Best free AI coding tools
- GitHub Copilot Free: 2,000 completions a month and a small allowance of AI credits, auto model only. Works in the editor you already use. Free Copilot Student plan for verified students.
- Devin Desktop Free (formerly Windsurf): unlimited Tab completions and inline edits, with a light agent quota.
- Cursor Free: limited agent and chat requests in the full Cursor IDE.
- Lovable Free: 5 credits a day (up to 30 a month), enough to build a small app.
- Bolt.new Free: 1M tokens a month (300K a day); sites carry Bolt branding.
- Claude Code: no free tier. Claude Free doesn't include Claude Code.
Cursor: which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Free | $0 | $0 | |
| Plus | $8/mo | $80/yr (≈$7/mo) | Grok models only |
| Premium | $30/mo | $300/yr (≈$25/mo) | 4x Plus usage; Claude/GPT billed extra at API list price |
| Super | $100/mo | $1,000/yr (≈$84/mo) | 15x Plus usage |
| Ultra | $200/mo | $2,000/yr (≈$167/mo) | 50x Plus usage |
| Teams (Premium seat) | $30/seat/mo | Not listed | Super/Ultra seats $100/$200 |
Which plan you actually need
- Free: Try the editor and agent before paying.
- Plus $8: Only if Grok models are enough for you. Cursor itself recommends Plus for social creators with limited AI usage.
- Premium $30: Cursor's pick for new AI users. Needed for cloud agents, Bugbot code reviews, and any Claude or GPT use (billed extra).
- Super $100: Cursor's pick for daily agent users: 15x Plus usage plus priority access at peak times.
- Ultra $200: Power users: 50x Plus usage and earliest access to new models.
- Teams $30+/seat: Centralized billing, SSO, usage analytics, team-wide privacy settings.
Skip Cursor if: Claude or GPT is your daily model. In Cursor they are billed at API list price on top of a $30+ plan; Copilot and Claude Code include them in the plan price.
GitHub Copilot: which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Free | $0 | $0 | 2,000 completions/mo, auto model only |
| Pro | $10/mo | Not listed | 1,500 AI credits/mo |
| Pro+ | $39/mo | Not listed | 7,000 AI credits/mo |
| Max | $100/mo | Not listed | 20,000 AI credits/mo |
| Business | $19/seat/mo | Not listed | 1,900 credits per user, pooled |
| Enterprise | $39/seat/mo | Not listed | 3,900 credits per user, pooled; needs GitHub Enterprise Cloud |
Which plan you actually need
- Free: Light use: 2,000 completions a month and auto model selection only. Free for verified students too.
- Pro $10: The best value for most individuals: 1,500 AI credits and a choice of models including Claude and GPT. Verified teachers and popular open-source maintainers may get it free.
- Pro+ $39: Heavy agent users: 7,000 credits and premium models.
- Max $100: Sustained high-volume use: 20,000 credits and priority access to premium models.
- Business $19/seat: Organizations that need policy control and centralized management.
- Enterprise $39/seat: Companies on GitHub Enterprise Cloud that want a bigger credit pool.
Skip GitHub Copilot if: You want a standalone agent-first IDE, or you run long agent sessions all day. Credits run out, and heavy users end up on Pro+ ($39) or Max ($100).
Claude Code: which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Pro | $20/mo | $200/yr (≈$17/mo) | $17/mo billed annually ($200 up front) |
| Max 5x | $100/mo | Not listed | 5x Pro usage; Max 20x price not listed on claude.com/pricing |
| Team (standard seat) | $25/seat/mo | $240/seat/yr (≈$20/seat/mo) | $20/seat/mo billed annually; teams of 2 to 150 |
| Team (premium seat) | $125/seat/mo | $1,200/seat/yr (≈$100/seat/mo) | 5x standard usage; $100/seat/mo billed annually |
Which plan you actually need
- Pro $20: Start here. Includes Claude Code with usage limits; $17/mo if you pay $200 for the year.
- Max 5x from $100: If you hit Pro limits most days. 5x Pro usage plus priority access at busy times.
- Team $25/seat: Teams of 2 to 150: standard seats are $25/mo ($20 annual); premium seats with 5x usage are $125 ($100 annual).
- API (pay per token): Automation and CI. Example: Sonnet 5.5 is $2 per million input tokens and $10 per million output tokens.
Skip Claude Code if: You want a free tier, a full visual IDE, or GPT/Gemini models. Claude Code is Claude-only and needs a paid plan.
Devin Desktop (formerly Windsurf): which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Free | $0 | $0 | Light agent quota, unlimited Tab |
| Pro | $20/mo | Not listed | Higher quotas, frontier models, Devin Cloud |
| Max | $200/mo | Not listed | Significantly higher quotas |
| Teams | $80/mo + $40/seat/mo | Not listed | $80/mo team plan + $40/mo per full dev seat, up to 200 users |
Which plan you actually need
- Free: Unlimited Tab completions and inline edits with a light agent quota.
- Pro $20: Most individuals: higher quotas, frontier models, SWE-2, and Devin Cloud agents.
- Max $200: Significantly higher quotas for all-day agent use.
- Teams $80 + $40/seat: Up to 200 users with their own quota per full seat.
Skip Devin Desktop if: You need predictable heavy usage on a fixed budget. Quotas aren't published as numbers, and overages bill at API pricing.
Lovable: which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Free | $0 | $0 | 5 credits/day (up to 30/mo) |
| Pro | $25/mo | $252/yr (≈$21/mo) | 100 monthly credits + daily grants; $21/mo billed annually |
| Business | $50/mo | $504/yr (≈$42/mo) | SSO, team workspace; $42/mo billed annually |
Which plan you actually need
- Free: Enough to build and test a small app: 5 credits a day, up to 30 a month.
- Pro $25: Most solo builders: 100 monthly credits plus daily grants, custom domains, no Lovable badge. $21/mo billed annually. Students get up to 50% off.
- Business $50: Growing teams: SSO, team workspace, role-based access. $42/mo billed annually.
Skip Lovable if: You're a developer who wants full control of the stack, or you need to keep building in an existing repo. Lovable's Git sync always creates a new repo.
Bolt.new: which plan do you need?
| Plan | Monthly billing | Annual billing | What you get |
|---|---|---|---|
| Free | $0 | $0 | 1M tokens/mo, 300K/day, Bolt branding |
| Pro | $25/mo | $216/yr (≈$18/mo) | From 10M tokens/mo, no daily limit; $18/mo billed annually |
| Teams | $30/seat/mo | $324/seat/yr (≈$27/seat/mo) | Per member; $27/member/mo billed annually |
Which plan you actually need
- Free: Try it: 1M tokens a month (300K a day). Sites carry Bolt branding.
- Pro $25: Most solo builders: from 10M tokens, no daily limit, rollover, custom domain. $18/mo billed annually, the cheapest annual app-builder plan here.
- Teams $30/member: Centralized billing, admin controls, SSO. $27/member billed annually.
Skip Bolt.new if: Your project will get big (each message syncs more files, so tokens go faster), or several people want to share one budget. Bolt Teams is priced per member.
Pricing change log
What changed and when we recorded it. We re-check official pricing pages regularly.
- Re-verified all 26 plans on official pricing pages. Added annual prices: Lovable Pro $21/mo and Business $42/mo billed annually, Bolt Pro $18/mo and Teams $27/member billed annually. Source
- Cursor is now sold as The X Subscription: Plus $8, Premium $30, Super $100, Ultra $200. Plus is Grok-only; Claude/GPT in Cursor cost extra at API list price. (Date we first recorded it.) Source
- Cognition renamed Windsurf to Devin Desktop. Same IDE, plans and prices; windsurf.com redirects to devin.ai. Source
FAQ
What is the cheapest AI coding tool in 2026?
The cheapest paid plan is Cursor Plus at $8/month, but it includes Grok models only. The cheapest plan that includes Claude and GPT models is GitHub Copilot Pro at $10/month with 1,500 AI credits.
Which AI coding tools are free?
GitHub Copilot Free, Devin Desktop Free, Cursor Free, Lovable Free and Bolt Free all have free tiers with limits (see best free tools). Claude Code has no free tier.
Is paying yearly worth it?
If you'll use it all year, yes. Bolt Pro drops from $300 to $216 a year, Lovable Pro from $300 to $252, Claude Pro from $240 to $200, and Cursor Plus from $96 to $80. GitHub Copilot and Devin Desktop don't list annual prices on the pricing pages we checked.
How much does an AI coding tool cost for a team of 5?
From $50/month (Lovable Business, unlimited users) to $280/month (Devin Desktop Teams). Copilot Business is $95, Claude Team $125, and Cursor and Bolt Teams $150. See the team table.
What costs extra on top of the plan price?
In Cursor, Claude, GPT and other third-party models are billed separately at API list price (Premium and up). Copilot organizations pay $0.01 per AI credit beyond their pool. Devin Desktop bills extra usage at API pricing. Claude Code has usage limits shared with Claude chat. Lovable sells on-demand credits, and Bolt's higher-token Pro tiers cost more. All prices exclude tax.
Editorial disclosure
Rankings are not for sale. Sponsored placements and affiliate links are always labeled, and they never change our recommendations, quiz results, prices, or comparison data. Bolt.new buttons are referral links: if you sign up through them, we may earn a commission at no extra cost to you. All other tool links are plain links, and pricing source links are never affiliate links. Editorial policy.