Cheapest AI for coding: Cursor, Claude Code, Copilot, Codex (Oct 2026)

What AI coding tools really cost: GitHub Copilot from $10, Cursor from $8, Claude Code with Claude Pro at $20, plus what the same agent work costs on raw API prices.

Bottom line: the cheapest paid entry is Cursor Plus at $8/mo (Grok models only), then GitHub Copilot Pro at $10/mo. Claude Code and Codex start with the $20 Claude Pro and ChatGPT Plus plans.

ToolFree tierPaid plans (per month)Notes
GitHub CopilotFree (limited)Pro $10 · Pro+ $39 · Max $100Plans include monthly GitHub AI Credits
CursorFree (limited)Plus $8 (Grok models only) · Premium $30 · Super $100 · Ultra $200Third-party models billed at API list price
Claude Code (Anthropic)—Claude Pro $20 ($17 yearly) · Max 5x $100 · Max 20x $2005-hour and weekly usage limits
OpenAI CodexLimited on Free/GoChatGPT Plus $20 · Pro $100 / $200 / $500Usage limits per 5 hours

Building your own coding agent on the API?

AI agent: 1,000 tasks/day × 30 days × 8 steps per task, 3,000 words of context in / 250 words out per step: Anthropic: Claude Haiku 5.5 about $135.66/month, OpenAI: GPT-6.1 Sol about $2,713/month, Anthropic: Claude Sonnet 5.5 about $2,713/month. See AI agent cost per month for every model. Price alone does not measure coding quality.

Sources (checked 2026-10-31): GitHub Copilot plans · Cursor pricing · Claude pricing · Codex pricing · Prices: OpenRouter

Quick answers

Last updated 2026-10-30 from live API prices.

What is the cheapest AI coding assistant?

Cursor Plus at $8/month (Grok models only) and GitHub Copilot Pro at $10/month are the cheapest paid plans; both have free tiers.

Is Claude Code free?

No. It's included with Claude Pro ($20/month, or $17/month billed yearly) and Max ($100 or $200).

Is Cursor or Copilot cheaper?

Cursor Plus ($8) is cheaper than Copilot Pro ($10) but only includes Grok models; Cursor Premium is $30.

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Prices from OpenRouter's public API, cross-checked with InferIndex. No spam.