Cursor vs Refact.ai
A side-by-side comparison of Cursor and Refact.ai — pricing, free tiers, and who each tool is genuinely best for.
| Tagline | The AI-first code editor built for working at the speed of thought | Self-hosted or cloud AI coding assistant with fine-tuning |
| Category | AI Coding | AI Coding |
| Pricing | Free Hobby tier; Pro ~$20/user/mo; Business ~$40/user/mo | Free self-hosted option; cloud plans from ~$10/user/mo (verify on site) |
| Free tier | ||
| Best for | Professional developers who want a full AI-native IDE with strong multi-file agentic editing and model choice. | Privacy-conscious teams or enterprises that want to self-host and fine-tune an AI coding assistant |
| Not for | Developers unwilling to switch away from their current editor or who only need lightweight inline suggestions. | Individual developers who want a zero-setup cloud-only experience |
| Use cases | Multi-file refactoring Codebase-wide chat Agentic feature building Predictive multi-line autocomplete Debugging with context | Self-hosted AI autocomplete Fine-tuning on proprietary codebases Code refactoring suggestions On-premise enterprise deployment |
| Visit Cursor | Visit Refact.ai |