Pricing checked against official pages as of July 2026.
AI coding assistants split into two categories: autocomplete-style tools bolted onto your existing editor, and full agentic editors built around AI from the ground up. That split explains most of the price gap between these three.
Pricing at a glance
| Tool | Individual | Team/Business |
|---|---|---|
| GitHub Copilot | $10/month or $100/year | Business: $19/user/month · Enterprise: $39/user/month |
| Cursor | Pro: $20/month ($16/mo annual) | Business: $40/user/month · Pro+ $60/mo · Ultra $200/mo |
| Codeium | Free plan with unlimited autocomplete | Team pricing varies; strongest free tier of the three |
Where each one wins
GitHub Copilot is the cheapest paid option and integrates directly into whatever editor you already use — VS Code, JetBrains, Neovim. If you want solid AI autocomplete without switching your entire toolchain, this is the lowest-friction choice, and pricing has held steady since 2024.
Cursor is a full fork of VS Code built around AI-first workflows — multi-file editing, agentic task completion, and codebase-wide context in a way bolted-on extensions can't match. It costs roughly double Copilot at the team tier, but for developers who want the AI to handle larger, multi-step changes rather than just suggest the next line, that gap is often worth it.
Codeium has the most generous free tier of the three — unlimited autocomplete across a wide range of editors including VS Code, JetBrains, Neovim, and Vim, with no cost. It's the best starting point if you want to try AI-assisted coding before committing to a paid plan, though its commercial/team pricing is less clearly documented than the other two.
The bottom line
Most individual developers should start with Codeium's free tier or Copilot's $10/month plan — both are inexpensive ways to test how much AI autocomplete actually speeds up your work. Teams tackling larger refactors or building features that touch many files at once tend to get more value from Cursor's agentic editing, even at double the per-seat cost.