AI coding assistant pricing: seats, credits and limits
Evidence date: 2026-10-15

Decision criteria
Required workflow and model, accepted changes per review effort, recurring cash payment, additional-purchase rules and limits during your actual working week.

Editorial evaluation scenario
Write down one representative repository task and its acceptance test.
Check the current plan and model access for your account.
Record usage before and after the same task in each candidate.
Compare the full payment, unused prepaid balances and review effort.
Buy only after the result passes the task and budget checks.

Input / draft / final edit
Four individual Pro subscriptions; 1,100 credits/person; no add-on balance; $90 budget.
Base-only bill $80. Separate annual mistake: rounded $17 × 12 = $204.
Four $5 packs bring the cash bill to $100. Claude annual charge is $200. Four corrected checks passed.

Before buying
Cursor
Documented: Plus $8/month: Grok only. Premium $30/month: third-party model usage billed separately.
Check: Required model, weekly usage pool and extra model spend.
GitHub Copilot
Documented: Pro $10, Pro+ $39, Max $100/month. Paid completions differ from credit-metered agent work.
Check: Your account’s base/flex allowance, model consumption and billing version.
Claude Code
Documented: Included with Claude Pro: $20 monthly or $200 annually upfront; higher Max tiers available.
Check: Shared usage limits, billing commitment and separate API route.
Kiro
Documented: Pro $20/user/month includes 1,000 credits. Individual add-on purchases start at $5.
Check: Measured consumption, prepaid balance and expiry; enterprise rules differ.

Official sources
https://cursor.com/pricing
https://github.com/features/copilot/plans
https://docs.github.com/en/billing/concepts/product-billing/github-copilot-billing
https://claude.com/pricing
https://kiro.dev/pricing/
https://kiro.dev/docs/billing/add-on-credits/
https://cursor.com/docs/models-and-pricing
https://docs.github.com/en/copilot/reference/copilot-billing/request-based-billing-legacy/what-changed-with-billing

Record your own test: selected plan, date, input, output, corrections, export and total cost. This sheet does not claim a vendor test.