Cursor Pricing Explained (2026): Every Plan & the Credit System

Cursor costs $20/month for the Pro plan most people buy, with a free Hobby tier below it and Pro+ ($60), Ultra ($200), and Teams ($40/user) above. The number that trips people up isn't the sticker price — it's the usage credit pool that comes with each paid plan. Below is every tier, exactly what it includes, and how to keep the credits from running out mid-month.

Every plan

Cursor has six tiers spanning free to enterprise. Paid plans include a monthly credit pool equal to the plan price, and annual billing on Pro drops the effective cost to about $16/month.

Plan	Price	What's included
Hobby	Free	Limited agent requests, limited Tab completions — enough to evaluate
Pro	$20/mo (~$16 annual)	Unlimited Tab, extended agent limits, all frontier models, $20 credit pool
Pro+	$60/mo	Everything in Pro with roughly 3x the usage credits
Ultra	$200/mo	~20x Pro usage, priority access to new features and models
Teams Standard	$40/user/mo	Centralized billing, admin controls, enforced privacy mode, two separate usage pools per seat
Teams Premium	$120/user/mo ($96 annual)	Everything in Standard with ~5x the included usage per seat
Enterprise	Custom	SSO, SAML, audit logs, procurement, dedicated support

How credits work

This is the part worth understanding before you buy. Each paid plan includes a monthly credit pool equal to its price — so Pro comes with about $20 of model usage baked in. Auto mode, where Cursor picks the model, is unlimited and doesn't draw credits. The moment you manually select a frontier model like Claude Opus or GPT-5.5, you start spending from the pool.

Heavy agent users on premium models can exhaust a Pro pool well before month-end. When it's empty you either switch back to Auto (still unlimited) or pay usage-based rates for continued premium calls. The practical takeaway: if you mostly use Auto, Pro's $20 goes a long way; if you insist on hand-picking Opus for everything, budget for Pro+ or Ultra.

Hidden costs

There are no true hidden fees, but a few things surprise new users. First, the credit pool resets monthly and doesn't roll over. Second, long-running Background Agents in cloud VMs consume more credits than in-editor edits, so overnight autonomous jobs add up. Third, the annual discount only applies if you commit for the year — monthly Pro is the full $20.

None of this is a gotcha if you plan for it. The single best cost-control habit is leaving Cursor in Auto mode and only reaching for a specific premium model when a task genuinely needs it.

Which plan to pick

Hobby (free): fine for evaluating Cursor or very occasional use. Pro ($20): the right plan for the vast majority of professional developers — unlimited autocomplete plus enough credits for daily agent work in Auto mode. Pro+ ($60): for people who lean on premium models and hit Pro's credit ceiling. Ultra ($200): only if you run long autonomous agents all day. Teams Standard ($40/user): admin controls and enforced privacy across a group — and since the July 2026 update, every seat now carries two separate usage pools, one for Cursor's own Composer/Auto models and one for third-party APIs like Claude and GPT. Teams Premium ($120/user, $96 annual): the newer seat type with roughly 5x Standard's included usage, aimed at teams whose developers run heavy agent workloads all day.

Is it worth it?

For a developer who codes most days, yes — Pro's $20 pays back fast in saved time, and the agent features are the best in the category. If you're price-sensitive or only code occasionally, GitHub Copilot at $10/month or Cursor's free Hobby tier is the smarter start. For the full feature picture, read our Cursor review, and to see how the cost compares head-to-head, check Cursor vs GitHub Copilot.