This is an independent pricing guide. cursorpricing.com is not affiliated with, endorsed by, or connected to Cursor or Anysphere Inc. All pricing data is sourced from publicly available information and may change without notice.

Updated April 2026

Cursor Credit Calculator:
Estimate Your Real Monthly Cost

No competitor has an interactive calculator for Cursor's credit system. Input your coding hours, model preference, usage style, and Auto mode percentage to get a personalised cost estimate and plan recommendation. The calculator accounts for Auto mode's unlimited free usage, which most static pricing pages ignore.

Credit Usage Calculator

Estimate your real monthly Cursor cost

4
70%

Auto mode is unlimited on paid plans and does not drain your credit pool

1
Recommended Plan

Pro

$20/mo($16/mo annual)

Monthly Requests

1,056

Credit Usage

$0

per user/mo

Auto Requests

739

free (unlimited)

Manual Requests

0

drains credit pool

Credit pool usage

Pro
0%
Pro+
0%
Ultra
0%
Same usage on Copilot: ~$10/mo-Cline (BYOK): ~$53/mo

Estimates based on median token usage per request type and 22 working days per month. Auto mode requests are unlimited on all paid plans. Actual costs vary based on context window size, response length, and caching. Always check your usage in Cursor Settings.

How the Calculator Works

Methodology

The calculator estimates monthly credit consumption based on four inputs: your daily coding hours, primary model choice, usage intensity, and Auto mode percentage. Here is how it works:

  1. 1.Total monthly requests = hours per day times requests per hour (based on usage style) times 22 working days
  2. 2.Auto mode requests = total requests times Auto mode percentage. These are free on all paid plans.
  3. 3.Manual requests = total requests times (100% minus Auto mode percentage). These drain the credit pool.
  4. 4.Monthly credit usage = manual requests times median cost per request for the selected model.
  5. 5.Recommended plan is based on whether the estimated credit usage fits within Hobby ($0), Pro ($20), Pro+ ($70), or Ultra ($400) credit pool.

Key Assumptions

Working days per month22 days
Completions-heavy requests/hr6 requests
Balanced requests/hr12 requests
Heavy (chat + agent) requests/hr22 requests
Claude Sonnet median request~$0.089
GPT-4o median request~$0.044
GPT-4.1 median request~$0.031
Gemini 2.5 Pro median request~$0.036
Mixed model average request~$0.050

Median request costs based on approximately 1,500 input tokens and 800 output tokens with typical caching. Actual costs vary with context window size and response length. Data sourced from published model pricing at cursor.com/docs/models-and-pricing.

Understanding Your Result

Hobby (Free)

$0 credit usage

You use Auto mode for nearly everything or code very few hours. The free tier covers your needs, though agent request limits may still trigger an upgrade.

Pro ($20/mo)

Under $20 credit usage

Your manual model usage fits within the $20 pool. The most common recommendation. Use Auto mode for routine tasks and manual selection for complex work.

Pro+ ($60/mo)

$20-70 credit usage

You regularly exhaust the $20 Pro pool. Pro+ gives roughly $70 in credits for $60, which is the best per-credit value for medium-heavy users.

Ultra ($200/mo)

Over $70 credit usage

You are a heavy user spending $70 or more per month in credits. Ultra gives roughly $400 in credits for $200, the best per-credit value at any tier.

Calculator FAQ

How accurate is this calculator?
This calculator provides estimates based on median token usage per request type and published model pricing. Actual costs vary based on your specific context window sizes, response lengths, and caching patterns. The estimates are designed to give you a realistic ballpark rather than exact figures. We recommend using the calculator as a starting point and then monitoring your actual usage in Cursor Settings for the first billing cycle.
What does 'Auto mode usage' percentage mean?
Auto mode is Cursor's feature where it automatically selects the best model for each task. Auto mode is unlimited on all paid plans and does not drain your credit pool. The percentage slider represents how much of your total AI usage goes through Auto mode versus manually selecting a specific model. At 70% Auto mode (the default), only 30% of your requests drain credits. Most developers find 70 to 80 percent Auto mode usage realistic.
Why does the calculator say I should use the Hobby plan?
If your estimated credit usage is very low (under $5 per month), the calculator may recommend the Hobby (free) plan. This happens when you code very few hours per day or use Auto mode for nearly all requests. However, the free tier has hard limits on agent requests and tab completions that the calculator does not fully model. If you find yourself hitting free tier limits in practice, upgrading to Pro is worth it regardless of credit pool usage.
How does team size affect the recommendation?
When you set a team size greater than 1, the calculator switches to the Teams plan recommendation ($40 per user per month). The estimated credit usage is shown per user, but the total cost reflects all users. Teams pricing includes admin dashboard, SSO, and usage analytics on top of the per-user Pro features. Annual billing at $32 per user per month saves 20%.
What is the difference between usage styles?
The three usage styles estimate different request frequencies per hour. 'Mostly completions' assumes 6 requests per hour (tab completions and quick suggestions). 'Balanced' assumes 12 requests per hour (mix of completions, chat, and occasional Composer use). 'Heavy' assumes 22 requests per hour (frequent chat, agent mode, and Composer for multi-file edits). Choose the style that best matches how you actually use AI in your editor.
Does the Copilot comparison account for feature differences?
No. The Copilot cost shown is the subscription price only ($10 per month for individual, $19 per user for teams). Copilot and Cursor have different features, so a direct cost comparison does not capture the full picture. Cursor includes Composer, advanced agent mode, and model selection that Copilot lacks. See the full comparison page for a feature-by-feature analysis.
How the credit system works Pro+ vs Ultra comparison Team pricing details