Cursor vs Refact AI

A detailed comparison to help you choose between Cursor and Refact AI.

Cursor

Cursor

The AI-first code editor

Refact AI

Refact AI

Open-source AI coding assistant with self-hosting

Rating3.8 (445 reviews)4.9 (396 reviews)
Pricing Modelfreemiumfreemium
Starting PriceFree tier availableFree tier available
Best ForProfessional developers wanting the most capable AI coding experiencePrivacy-conscious developers wanting a self-hosted AI code assistant
Free Tier
API Access
Team Features
Open Source
Tags
free tierbyok
free tieropen sourcebyok
Visit Cursor →Visit Refact AI →

Cursor

Pros

  • + Best codebase context of any editor
  • + Inline AI edits work brilliantly
  • + Familiar VS Code interface

Cons

  • - Privacy concerns for proprietary code
  • - Subscription required for best features
View full Cursorreview →

Refact AI

Pros

  • + Self-hostable for privacy
  • + Open-source
  • + Usage statistics and analytics

Cons

  • - Self-hosting setup required
  • - Less capable than Cursor
View full Refact AIreview →

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Cursor vs Refact AI — Comparison 2026 | ToolSpotter