Every comparison starts with "$10 vs $20." That number stopped being real the day anyone turned on agent mode.
Cursor Pro bills hit $40-80 under heavy use. Copilot added dual billing June 1st — AI Credits AND Actions minutes. The real comparison is $39-60 vs $39-60.
The actual numbers:
Copilot Pro: $10 base, but one agent session burns $30-40 in credits. Real cost: $30-50
Cursor Pro: $20 base, real bills under heavy use: $40-80
Copilot Pro+: $39/month flat — the only tier that stays predictable
The benchmark nobody talks about:
Copilot solves 56% of SWE-bench tasks. Cursor solves 52%. But Cursor is 30% faster per task. Neither wins cleanly.
The honest verdict:
JetBrains/Neovim user → Copilot, Cursor doesn't run there
Light to moderate use → Copilot Pro, the $10 holds
Daily agent work → Cursor Pro+
Heavy agents constantly → Cursor Ultra
The sticker price was always a lie. At real usage, Copilot costs the same or less — unless you're in agent mode all day.
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