Cursor vs Refact.ai
Which Agents AI tool is better in 2026?
Cursor
The AI code editor built for productive engineers.
Refact.ai
Self-hosted AI coding assistant — run on your own infra, own your data
Side-by-side
Cursor is the more established option (raised $7.6B), but Refact.ai is cheaper to start.
| Metric | Cursor | Refact.ai |
|---|---|---|
| Taglinei | The AI code editor built for productive engineers. | Self-hosted AI coding assistant — run on your own infra, own your data |
| Foundedi | 2022 | 2022 |
| HQi | San Francisco, US | Amsterdam, NL |
| Employeesi | 51-200🏆 | 11-50 |
| Neuron scorei | 88🏆 | 60 |
| Total fundingi | $7.6B🏆 | Undisclosed |
| Latest roundi | Series D · Nov 2025 | Seed · Jan 2023 |
| Valuationi | $29.3B🏆 | — |
| Cheapest paid plani | Pro · $20/mo | Pro · $10/mo🏆 |
| Free plani | ✓ Hobby | ✓ Free |
| Free triali | ✓ | ✗ |
| Top tier pricei | Ultra · $200/mo | Pro · $10/mo |
| Pricing summaryi | 5 published plans | 3 published plans |
| Categoriesi |
Capability matrix
Developer-facing capabilities and access signals for Cursor and Refact.ai.
| Capability | Cursor | Refact.ai |
|---|---|---|
| MCP support | ✓ | ✗ |
| Public API | ✓ | ✗ |
| Webhooks | ✗ | ✗ |
| OAuth 2.0 | ✓ | ✗ |
| SDK languages | — | 1 (Python) |
| Free plan | ✓ | ✓ |
| Free trial | ✓ | ✗ |
| Verified | ✗ | ✗ |
| Active deal | ✓ | ✗ |
🟢 Strengths of Cursor
- Has raised more capital ($7.6B vs Undisclosed)
- Higher Neuron score (88 vs 60)
- Offers a free trial
🔵 Strengths of Refact.ai
- Strong in AI Agents
Which should you choose?
Choose Refact.ai if price matters most — it starts at Free, which is friendlier for teams watching burn. Both AI Agents tools ship core features, so the cost delta often decides it for small teams and solo operators.
Choose Cursor if you want the most established option — it has raised $7.6B, suggesting more runway for enterprise features, support, and long-term roadmap. For mission-critical workflows or larger teams, that stability often outweighs a lower monthly price.
💸 Deals
14-day Cursor Pro free trial
Try Cursor Pro free for 14 days — unlimited completions, fast premium model requests, and agent mode for AI-first coding.
Terms: New users only. Card required.
Frequently asked questions
Cursor vs Refact.ai — which is better?
It depends on your priority. Cursor has raised more capital and is the more established option; Refact.ai is cheaper to start. See the side-by-side table above.
Is Cursor cheaper than Refact.ai?
No — Refact.ai's cheapest paid plan is Pro · $10/mo, while Cursor's is Pro · $20/mo.
Do Cursor and Refact.ai offer free plans?
Cursor: Yes, has a free plan. Refact.ai: Yes, has a free plan.
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