Cursor Pricing: Every Plan Explained
Cursor switched to a credit-based billing system in June 2025. The key insight: Auto mode is free and unlimited on all paid plans. Credits only matter when you manually pick a model.
| Plan | Price | Annual | Credit Pool | Tab Completions | Cloud Agents | Best For |
|---|---|---|---|---|---|---|
| Hobby | $0 | $0 | None | Limited | No | Trying Cursor out |
| Pro | $20/mo | $16/mo | $20/mo | Unlimited | Yes | Solo developers |
| Pro+ | $60/mo | $48/mo | ~$70/mo (3x Pro) | Unlimited | Yes | Power users, heavy agent usage |
| Ultra | $200/mo | $160/mo | ~$400/mo (20x Pro) | Unlimited | Yes | All-day AI coding, max throughput |
| Business | $40/seat/mo | — | $20/user/mo | Unlimited | Yes | Teams, organizations |
All paid plans include: Unlimited tab completions, unlimited Auto mode (AI picks the optimal model for free), and cloud agent access. Credits are only consumed when you manually select a specific model like Claude Sonnet 4.6 or GPT-4.1.
The Credit System — How It Actually Works
Cursor's biggest pricing innovation: Auto mode is free. Credits only apply to manual model selection. This is the most misunderstood part of Cursor pricing.
| Action | Cost | Notes |
|---|---|---|
| Tab completions | Free | Unlimited on all paid plans |
| Auto mode chat/agent | Free | AI picks the optimal model — unlimited |
| Manual model selection | Credits | Drawn from your monthly credit pool at API rates |
| Cloud agents | Credits (API pricing) | Always runs in Max Mode; set your own spend limit |
| Overage | API rates, no markup | Billed at cost when credit pool runs out |
Pro tip: Most users can stay entirely on Auto mode and never touch their credit pool. The $20 credit pool on Pro translates to roughly 225 manual premium requests per month, depending on model and task complexity.
Plan Details
Hobby (Free)
- Tab completionsLimited
- Agent requestsLimited
- Cloud agentsNo
- Enough to evaluate the editor and AI quality
- Access to Auto mode with rate limits
- No credit card required
Pro
- Tab completionsUnlimited
- Credit pool$20/mo
- Cloud agentsYes
- Unlimited Auto mode — the AI picks the best model for each task
- $20 credit pool for manual model selection (~225 premium requests)
- Cloud agents with configurable spend limits
- Annual billing saves $48/yr (20% off)
Pro+
- Tab completionsUnlimited
- Credit pool~$70/mo
- Background agentsYes (beta)
- 3x the credit pool of Pro — best value per credit dollar
- Background agents for autonomous multi-step tasks
- Cloud agents on own infrastructure (self-hosted, March 2026)
- Worth it if you burn through Pro's $20 credits before month-end
Ultra
- Tab completionsUnlimited
- Credit pool~$400/mo
- Priority accessYes
- 20x the credit pool of Pro — effectively unlimited manual model use
- Priority access to new features and models
- For developers who use AI for 8+ hours/day
- Self-hosted cloud agents included
Business
- Credit pool$20/user/mo
- SAML SSOYes
- Admin controlsYes
- Centralized billing and seat management
- SAML SSO and admin dashboard
- Usage analytics per developer
- SOC 2 compliant
Bugbot — Automated PR Reviews (Add-On)
Bugbot is a separate product that reviews pull requests automatically. It's billed on top of your Cursor subscription.
| Plan | Price | PR Reviews | Details |
|---|---|---|---|
| Pro | $40/user/mo | 200 PRs/mo | For individual developers |
| Teams | $40/user/mo | Unlimited | Shared across organization |
| Enterprise | Custom | Unlimited | On-premises option |
True cost: A solo developer on Cursor Pro + Bugbot pays $60/mo ($20 + $40). For teams, it's $80/seat/mo ($40 Cursor + $40 Bugbot).
Team Cost Calculator
How much would Cursor cost your team per year?
| Team Size | Business (annual) | Business + Bugbot (annual) |
|---|---|---|
| 5 developers | $2,400/yr | $4,800/yr |
| 10 developers | $4,800/yr | $9,600/yr |
| 25 developers | $12,000/yr | $24,000/yr |
| 50 developers | $24,000/yr | $48,000/yr |
| 100 developers | $48,000/yr | $96,000/yr |
Cursor vs Alternatives
How does Cursor's pricing compare to other AI coding tools?
| Tool | Solo Pro | Team/Seat | Key Difference |
|---|---|---|---|
| Cursor | $20/mo | $40/seat | Free Auto mode, credit-based billing |
| GitHub Copilot | $10/mo | $19/seat | Cheapest, broadest IDE support |
| Windsurf | $20/mo | $40/seat | 40+ IDEs, HIPAA/FedRAMP compliance |
| Claude Code | $20/mo | $150/seat | Terminal agent, deepest codebase understanding |
| Amazon Q | $19/mo | $19/seat | AWS integration, security scanning |
Bottom line: Cursor Pro at $20/mo with unlimited Auto mode is strong value. The credit system means you only pay extra when you need a specific model. For pure price, Copilot at $10/mo is half the cost.
Copilot vs Cursor → | Cursor vs Claude Code → | Claude Code vs Cursor Agents → | Cursor vs Windsurf → | Windsurf Pricing → | Copilot vs Claude Code → | AI Tools for Startups → | 3-Way: Copilot vs Windsurf vs Cursor → | All Pricing Compared → | Best AI Coding Tools 2026 → | JetBrains AI Pricing → | Compare all tools →