Cursor Pricing 2026: Hobby, Pro, Ultra, and What $20 Actually Buys

Cursor pricing splits into a free Hobby tier, three individual plans, and two team tiers. Verified July 10, 2026: Pro costs $20, Pro+ costs $60, Ultra costs $200, and team seats run $40 or $120 per user. Annual billing cuts 20% off every paid plan. The prices read simple. The credit system underneath decides what you actually get.

The Credit System: What "Unlimited" Covers and What It Doesn't

Two meters run at once. Tab completions and Auto mode are unlimited on every paid plan. Premium model usage - Claude, GPT, and Gemini frontier models in chat and agents - draws from a monthly credit pool priced roughly at API rates. Pro's pool is about $20 of usage, Pro+ about $60, and heavy agent sessions can empty either in days.

Once credits run out, you choose: switch to Auto mode, buy more usage, or wait for the reset. Knowing which models burn credits fastest is the real Cursor skill.

Hobby Free Tier: A Two-Week Test, Not a Workflow

Hobby includes 2,000 completions and 50 slow premium requests a month, no credit card required. Enough to evaluate the editor honestly. Not enough to work in it.

Pro, Pro+, and Ultra: $20 to $200

Pro at $20 is the default: unlimited completions, unlimited Auto mode, and the ~$20 credit pool. Pro+ at $60 triples the pool for people running agents every day. Ultra at $200 buys roughly 20x Pro usage and priority access to new features - the same ceiling price as every frontier lab's top consumer tier.

Annual billing matters here more than elsewhere. The 20% discount brings Pro to effectively $16 a month and Ultra to $160, which no big-lab subscription matches at those tiers.

Teams and the SpaceX Question

Teams Standard costs $40 per user a month with centralized billing, SSO, and admin controls. Teams Premium at $120 raises the pooled usage for agent-heavy organizations. Enterprise pricing stays custom.

The bigger question hangs over the company: SpaceX bought Cursor for $60 billion in the largest startup deal ever. As of this verification, the acquisition has not touched the price list. Whether Grok becomes the default model - and what happens to multi-model credit pricing then - is the thing to watch, and nobody outside the two companies knows yet.

Three Billing Catches to Know

Cursor pricing hides its edges in the credit meter. First: "unlimited" applies to completions and Auto mode only, and premium models bill against the pool at rates that vary by model. Second: overage is opt-in, and enabling it without a spend cap invites surprise invoices. Third: the credit pools are approximate dollar values, not fixed request counts, so a model switch mid-month changes how far $20 stretches.

Which Cursor Plan Should You Pick

Cursor pricing rewards knowing your agent hours. Evaluators start on Hobby. Most working developers belong on Pro annual at an effective $16 a month. Upgrade to Pro+ only after credits run dry two months in a row, and to Ultra only when agents run most of the day. Teams take Standard seats and add Premium selectively.

Before committing, compare the coding-tool field: our GitHub Copilot vs Cursor vs Tabnine guide covers the rivals, and the GitHub Copilot pricing page details the closest competitor's credit system. For the whole market, see our full guide to AI pricing.