# Cursor vs GitHub Copilot vs Claude Code vs Devin: AI Coding Tool Prices in 2026

GitHub Copilot is the cheapest way into AI-assisted coding at $10.00/mo. Cursor, Claude (with Claude Code) and Devin all start at $20.00/mo. The real cost shows up when you stack tools, move up a tier, or buy seats for a team. This guide covers every plan, what each costs over three years, which fits which kind of developer, and how to avoid paying twice for the same job. US list prices, checked October 2026.

Updated 2026-10-13. https://www.trackmysubscriptions.com/blog/ai-coding-tools-pricing

- **$10.00** Cheapest editor plan (Copilot Pro, per month)
- **$480** Typical stack (Cursor Pro + Claude Pro, per year)
- **20%** Cursor yearly discount (on every paid plan)
- **$200** Top plans (per month, Cursor, Claude, Devin)

Every tool compared here links to its price page.

## AI coding assistants, every plan

| Tool | Plans | From |
| --- | --- | ---: |
| [GitHub Copilot](https://www.trackmysubscriptions.com/subscriptions/github-copilot) | Pro $10.00, Pro+ $39.00, Max $100 | $10.00/mo |
| [Cursor](https://www.trackmysubscriptions.com/subscriptions/cursor) | Pro $20.00, Pro+ $60.00, Ultra $200 | $20.00/mo |
| [Claude](https://www.trackmysubscriptions.com/subscriptions/claude) | Pro $20.00, Max 5x $100, Max 20x $200 | $20.00/mo |
| [Devin](https://www.trackmysubscriptions.com/subscriptions/devin) | Pro $20.00, Max $200 | $20.00/mo |

**Entry plan, per month**

| Item | Value |
| --- | ---: |
| GitHub Copilot | $10.00 |
| Cursor | $20.00 |
| Claude | $20.00 |
| Devin | $20.00 |
| v0 | $20.00 |
| Lovable | $25.00 |
| Replit | $25.00 |

GitHub Copilot Pro is half the price of the other editor tools. The app builders start at $20.00 to $25.00.

**Top individual plan, per month**

| Item | Value |
| --- | ---: |
| Cursor Ultra | $200 |
| Claude Max 20x | $200 |
| Devin Max | $200 |
| GitHub Copilot Max | $100 |

## A note on Windsurf and Devin

Cognition, the company behind Devin, bought Windsurf and in 2026 folded it into the Devin brand as Devin Desktop. Its plans are now sold as [Devin](https://www.trackmysubscriptions.com/subscriptions/devin) Pro at $20.00, Max at $200 and Teams at $80.00 a month plus $40.00 per developer seat. If you have an old Windsurf subscription, check which plan you were moved to and what it costs now. See [Cursor vs Devin](https://www.trackmysubscriptions.com/compare/cursor-vs-devin).

## The tiers, explained

### Entry: $10 to $20

GitHub Copilot Pro at $10.00, then Cursor Pro, Claude Pro and Devin Pro at $20.00. These cover most individual developers. All of them meter heavy use in some way, and the details change often, so read the current limits on each pricing page before choosing.

### Middle: $39 to $100

Copilot Pro+ costs $39.00, Cursor Pro+ $60.00, and Claude Max 5x and Copilot Max $100. This tier is for developers who hit the entry plan's limits most working days. If that happens once or twice a week, you are better off waiting for limits to reset.

### Top: $200 a month

Cursor Ultra, Claude Max 20x and Devin Max all cost $200 a month, $2,400 a year. That is a serious tool budget. It makes sense when the tool does a meaningful share of your billable work, not as a default.

## Cost of ownership over three years

| Plan | Per month | Per year | 3 years |
| --- | ---: | ---: | ---: |
| Copilot Pro | $10.00 | $120 | $360 |
| Cursor Pro, monthly | $20.00 | $240 | $720 |
| Cursor Pro, yearly | $16.00 | $192 | $576 |
| Claude Pro | $20.00 | $240 | $720 |
| Devin Pro | $20.00 | $240 | $720 |
| Copilot Pro+ | $39.00 | $468 | $1,404 |
| Cursor Pro+ | $60.00 | $720 | $2,160 |
| Claude Max 5x | $100 | $1,200 | $3,600 |
| Cursor Ultra | $200 | $2,400 | $7,200 |

## Cursor's yearly discount

Cursor offers yearly billing on every paid plan at 20% off. The yearly plan wins once you'd have kept the tool for 9.6 months. Tools in this space change fast, so only commit for a year to an editor you have used daily for a few months. Check your own numbers with the [monthly vs yearly calculator](https://www.trackmysubscriptions.com/tools/monthly-vs-yearly-calculator).

| Service | Yearly plan | 12 x monthly | Yearly price | You save |
| --- | --- | ---: | ---: | ---: |
| [Cursor](https://www.trackmysubscriptions.com/subscriptions/cursor) | Pro yearly | $240 | $192 | $48.00 (20%) |
| [Cursor](https://www.trackmysubscriptions.com/subscriptions/cursor) | Pro+ yearly | $720 | $576 | $144 (20%) |
| [Cursor](https://www.trackmysubscriptions.com/subscriptions/cursor) | Ultra yearly | $2,400 | $1,920 | $480 (20%) |

## What common stacks cost

Most developers pay for more than one AI tool: an editor assistant plus a chat assistant, or an editor plus an agent. Here is what the common combinations cost a year.

**Yearly cost of common setups**

| Item | Value |
| --- | ---: |
| Copilot Pro alone | $120 |
| Cursor Pro alone | $240 |
| Copilot Pro + ChatGPT Plus | $360 |
| Cursor Pro + Claude Pro | $480 |
| Cursor Pro + Claude Max 5x | $1,440 |
| Cursor Pro+ + Claude Max 20x | $3,120 |

Add [GitHub](https://www.trackmysubscriptions.com/subscriptions/github) Pro at $4.00 a month if you also pay for it. A second $20.00 tool you don't need, invested at 7% instead, grows to about $3,462 in ten years.

## What you are actually paying for

AI coding tools sell three kinds of help, and most plans mix them. Knowing which one you need stops you paying for the others.

- **Inline completion.** Suggestions as you type. Every editor tool here does this, and it's what most entry plans are built around.
- **Chat about your code.** Asking questions, explaining unfamiliar code, drafting tests. Editor tools include it, and so do general assistants like Claude and ChatGPT.
- **Agents.** Handing off a whole task, such as a refactor across files or a bug fix with tests, and reviewing the result. This uses far more compute, which is why heavy agent use pushes people toward the $100 and $200 tiers.

If you mostly want completion and chat, an entry plan from one editor tool is enough. If you hand off long tasks every day, budget for a higher tier of one tool rather than entry plans of several.

## Is it worth it? The break-even math

A coding tool pays for itself when it saves more of your time than it costs. Divide the monthly price by your hourly rate to get the minutes a month it has to save. At typical professional rates an entry plan needs to save well under an hour a month. The top plans need several hours.

| Your hourly rate | Copilot Pro ($10.00) | Cursor Pro ($20.00) | Claude Max 5x ($100) | Cursor Ultra ($200) |
| --- | ---: | ---: | ---: | ---: |
| $25.00/hour | 24 min/mo | 48 min/mo | 240 min/mo | 480 min/mo |
| $50.00/hour | 12 min/mo | 24 min/mo | 120 min/mo | 240 min/mo |
| $100/hour | 6 min/mo | 12 min/mo | 60 min/mo | 120 min/mo |
| $150/hour | 4 min/mo | 8 min/mo | 40 min/mo | 80 min/mo |

**Break-even at $50.00 an hour, minutes saved per month**

| Item | Value |
| --- | ---: |
| Copilot Pro | 12 min |
| Cursor Pro | 24 min |
| Claude Max 5x | 120 min |
| Cursor Ultra | 240 min |

## The full cost of shipping a side project

The AI tool is rarely the only bill. Here is what a typical indie developer stack costs once hosting, a database and a domain are added, using current list prices.

| Item | Plan | Per month | Per year |
| --- | --- | ---: | ---: |
| [Cursor](https://www.trackmysubscriptions.com/subscriptions/cursor) | Pro | $20.00 | $240 |
| [Claude](https://www.trackmysubscriptions.com/subscriptions/claude) | Pro | $20.00 | $240 |
| [GitHub](https://www.trackmysubscriptions.com/subscriptions/github) | Pro | $4.00 | $48.00 |
| [Vercel](https://www.trackmysubscriptions.com/subscriptions/vercel) | Pro | $20.00 | $240 |
| [Supabase](https://www.trackmysubscriptions.com/subscriptions/supabase) | Pro | $25.00 | $300 |
| [Namecheap domain](https://www.trackmysubscriptions.com/subscriptions/namecheap) | .com domain | $1.17 | $13.98 |

**Indie developer stack, yearly cost per item**

| Item | Value |
| --- | ---: |
| Supabase Pro | $300 |
| Cursor Pro | $240 |
| Claude Pro | $240 |
| Vercel Pro | $240 |
| GitHub Pro | $48.00 |
| .com domain | $13.98 |

The two AI tools cost $480 a year together; hosting, database, code hosting and the domain cost $601.98. AI is the easiest part to pause between projects.

Hosting and databases mostly have free tiers that cover a project before it has users. A common pattern is to pay for the AI tools while building, then switch them off and pay for hosting once the project is live. See [Vercel vs Netlify](https://www.trackmysubscriptions.com/compare/vercel-vs-netlify) and [Supabase vs Neon](https://www.trackmysubscriptions.com/compare/supabase-vs-neon).

## Questions to ask before buying for a team

1. Does the team plan let you add and remove seats monthly, or are you billed for a year of seats up front?
2. Who owns the code and the chat history, and can admins export or delete it?
3. Can you turn off training on your code for the whole organization?
4. Is usage pooled across the team or limited per seat?
5. Does the plan work with your existing single sign-on and repository host?
6. What does it cost when someone leaves mid-month?

Answer these from the vendor's own documentation and contract, not a sales call. They matter more than a few dollars of price difference per seat.

## Which one fits you

### Students and people learning to code

Start with the free tiers; GitHub Copilot, for one, has a free tier with limited use. Several of these tools offer free or discounted access for verified students, so check before paying. If you pay, GitHub Copilot Pro at $120 a year is the cheapest full plan.

### Hobbyists and weekend projects

One entry plan is plenty, and month-to-month billing suits on-and-off use. Pay only in the months you build. Cancelling GitHub Copilot for half the year saves $60.00; for Cursor, $120.

### Professional developers

Pick one editor tool and one chat assistant at most. Cursor Pro plus Claude Pro costs $480 a year. If the editor tool already gives you strong chat inside the editor, test a month without the separate assistant.

### Freelancers and consultants

Treat these as a business cost and keep receipts. A $200 plan needs to save you roughly $200 of billable time a month to break even; if your rate is $100 an hour, that is two hours.

### Startup teams

Seats add up fast. Devin's Teams plan is $80.00 a month plus $40.00 per developer. The table below compares that with buying each developer an individual Copilot Pro or Cursor Pro plan. Business plans from GitHub and Cursor cost more per seat than the individual plans shown; check their pricing pages for current team rates.

| Team size | Devin Teams | Copilot Pro each | Cursor Pro each |
| --- | ---: | ---: | ---: |
| 2 developers | $160 | $20.00 | $40.00 |
| 3 developers | $200 | $30.00 | $60.00 |
| 5 developers | $280 | $50.00 | $100 |
| 10 developers | $480 | $100 | $200 |

### Non-developers building apps

v0, Lovable and Replit build apps from a prompt rather than helping inside an editor. They start at $20.00/mo (v0), $25.00/mo (Lovable), $25.00/mo (Replit). Compare [v0 vs Lovable](https://www.trackmysubscriptions.com/compare/v0-vs-lovable) and [Lovable vs Replit](https://www.trackmysubscriptions.com/compare/lovable-vs-replit). Cancel once the project ships; these are easy to forget.

## A 12-month budget by kind of developer

Here is what a sensible setup costs for a year, and how much switching the editor tool to yearly billing would save where that's possible.

| Developer | Setup | Per year | With yearly billing |
| --- | --- | ---: | ---: |
| Student | Copilot Pro | $120 | - |
| Hobbyist | Cursor Pro | $240 | $192 |
| Professional | Cursor Pro + Claude Pro | $480 | $432 |
| Heavy agent user | Cursor Pro + Claude Max 5x | $1,440 | $1,392 |
| Agent-first | Devin Max | $2,400 | - |

## Pay only in the months you build

Side projects come in bursts. Paying monthly and cancelling between projects often beats any yearly discount. Someone who builds for 4 months a year and pays for Cursor Pro and Claude Pro only in those months spends $160 a year, against $480 for keeping both all year. Set a reminder for each renewal with the [free trial calculator](https://www.trackmysubscriptions.com/tools/free-trial-calculator) so a paused month doesn't quietly turn into a paid one.

## How to choose in two weeks

1. List the work you want help with: autocomplete, refactors, writing tests, explaining unfamiliar code, or longer tasks handed off to an agent.
2. Use the free tier of two tools on the same real task in the same repository for a week each.
3. Note where each one saved time and where it got in the way. Time saved is the only number that matters.
4. Pay for one month of the winner. Set a renewal reminder with the [free trial calculator](https://www.trackmysubscriptions.com/tools/free-trial-calculator).
5. At the end of the month, cancel anything you used less than weekly.

## When to upgrade, and when to downgrade

- **Upgrade from an entry plan** only after hitting its limits on most working days for two or three weeks. Going from Cursor Pro to Pro+ adds $480 a year; from Claude Pro to Max 5x, $960.
- **Upgrade one tool, not two.** If both your editor tool and your chat assistant run out, move the one you use for long tasks up a tier and keep the other on entry.
- **Downgrade after a quiet month.** If a month went by without hitting limits on a $100 or $200 plan, drop a tier. Moving from Claude Max 20x to Max 5x saves $1,200 a year.
- **Downgrade between projects.** Dropping from Cursor Pro+ to Pro between big pieces of work saves $40.00 for every month you're on the lower plan.
- **Re-check after price changes.** When a vendor changes plans, re-run the break-even table above with the new prices before your next renewal.

## Pitfalls

- **Two editor tools.** Paying for Copilot and Cursor at the same time is an easy overlap to miss. See [Cursor vs GitHub Copilot](https://www.trackmysubscriptions.com/compare/cursor-vs-github-copilot).
- **Usage-based extras.** Several plans charge for usage beyond what's included, or slow you down. Check what happens at the limit before you rely on a tool for a deadline.
- **Seat creep.** People leave teams; their seats often stay. Review seats every month.
- **Forgotten app builders.** A prompt-to-app tool used for one project keeps billing. Cancel when it ships.
- **Locking in for a year too early.** Prices and products in this space change several times a year.

## Cancel or downgrade

Direct links: [cancel Cursor](https://www.trackmysubscriptions.com/cancel/cursor), [cancel GitHub Copilot](https://www.trackmysubscriptions.com/cancel/github-copilot), [cancel Claude](https://www.trackmysubscriptions.com/cancel/claude), [cancel ChatGPT](https://www.trackmysubscriptions.com/cancel/chatgpt). Most keep working until the end of the period you paid for.

> See [Cursor vs GitHub Copilot](https://www.trackmysubscriptions.com/compare/cursor-vs-github-copilot), [Cursor vs Claude](https://www.trackmysubscriptions.com/compare/cursor-vs-claude) and [Cursor vs Devin](https://www.trackmysubscriptions.com/compare/cursor-vs-devin), or check [who spends the most on Cursor](https://www.trackmysubscriptions.com/leaderboard/cursor) and [on Claude](https://www.trackmysubscriptions.com/leaderboard/claude). For chat assistants, read [ChatGPT vs Claude vs Gemini pricing](https://www.trackmysubscriptions.com/blog/chatgpt-vs-claude-vs-gemini-pricing).

## FAQ

### What is the cheapest AI coding assistant?

GitHub Copilot Pro at $10.00/mo. Cursor, Claude and Devin all start at $20.00 a month.

### Is Cursor more expensive than GitHub Copilot?

Yes, at every tier. Cursor Pro is $20.00 a month against $10.00 for Copilot Pro, and Cursor Pro+ is $60.00 against $39.00.

### Which plan do I need for Claude Code?

Claude Code comes with Claude Pro ($20.00/mo) and Max ($100 or $200/mo).

### Does Cursor have a yearly plan?

Yes. Cursor Pro is $192 a year, 20% less than $240 paid monthly.

### What happened to Windsurf?

Cognition bought Windsurf and in 2026 moved it under the Devin brand as Devin Desktop. Devin Pro is $20.00 a month.

### How much does Devin cost for a team?

Devin Teams is $80.00 a month plus $40.00 per developer seat, so $200 a month for three developers.

### Is GitHub Copilot free?

GitHub Copilot has a free tier with limited use. The paid Copilot Pro plan is $10.00 a month, $120 a year.

### Is Devin more expensive than Cursor?

Not at the entry tier: Devin Pro and Cursor Pro both cost $20.00 a month. Devin Max and Cursor Ultra both cost $200. Only Cursor offers a yearly discount in our catalog.

### How much do developers spend on AI tools a year?

A common setup of Cursor Pro and Claude Pro costs $480 a year. Heavy users on top plans can pass $3,120.