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Cybersecurity · head to head

1Password vs Refact

1Password logo

1Password

Cybersecurity

The world's most-loved password manager

From
$2.99/month
Free plan
No
Full reviewWebsite
Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: 1Password no free tier; all plans require paid subscription; Refact requires configuration for optimal performance
  • They diverge on capability: 1Password covers Password generator, Refact covers Autonomous agent workflows.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which 1Password and Refact actually diverge.

Attributes where 1Password and Refact differ
Attribute1PasswordRefact
Starting price$2.99/monthFree
Pricing modelUnknownFreemium with paid tiers
Free tierNoYes
PlatformsmacOS, Windows, iOS, Android, Linux, WebVS Code, Web
CategoryCybersecurityDeveloper Tools
Founded20062023

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 1Password

  • Password generator
  • Autofill
  • Secure notes
  • Credit card storage
  • Document storage
  • Two-factor authentication
  • Watchtower security alerts
  • Travel mode

Only in Refact

  • Autonomous agent workflows
  • IDE chat
  • Real-time code completions
  • GitHub integration
  • Database integration
  • On-premise deployment
  • Multi-LLM support
  • 25+ language support

What people use each for

The jobs each tool is most often brought in to do.

1Password

  • Password managementnot Refact
  • Secure document storagenot Refact
  • Team credential sharingnot Refact
  • Identity protectionnot Refact
  • Compliance managementnot Refact

Refact

  • Autonomous code generation for development tasksnot 1Password
  • End-to-end bug fixes and refactoringnot 1Password
  • Multi-language software development accelerationnot 1Password
  • Enterprise development with data privacy requirementsnot 1Password

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

1Password

  • No free tier; all plans require paid subscription
  • Offline access requires prior device sync; cannot add new passwords while offline
  • Enterprise plan does not include free trial access

Refact

  • Requires configuration for optimal performance
  • On-premise deployment adds operational complexity
  • Free tier limited by daily agent request quota
  • Coin system adds complexity to cost calculation

Pricing, plan by plan

1Password

$2.99/month

No published plan breakdown. See the 1Password review.

Refact

Free
  • FreeFree
    • Limited daily agent usage
    • Unlimited completions
    • 2,000 coins for agent and chat
  • Pro$10/month
    • 40 daily agent requests
    • 64k context window
    • 10,000 coins monthly
  • Enterprise$undefined/custom
    • On-premise deployment
    • Custom coin allocation
    • Fine-tuning support

Which should you pick?

Choose 1Password if

  • You need password generator.
  • You work on macOS, Windows, iOS, Android, Linux, Web.
  • You also want autofill.
1Password review

Choose Refact if

  • You need autonomous agent workflows.
  • You want to start without paying.
  • You work on VS Code, Web.
  • You also want ide chat.
Refact review

Questions people ask

Is 1Password or Refact better?
Neither clearly leads. 1Password starts at $2.99/month and Refact at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 1Password or Refact?
Refact has a free tier; the other does not. Paid plans start at $2.99/month for 1Password and Free for Refact.
Does 1Password or Refact run on more platforms?
1Password runs on macOS, Windows, iOS, Android, Linux, Web. Refact runs on VS Code, Web.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. 1Password starts at $2.99/month.
What is 1Password best used for?
1Password is most often used for password management, secure document storage, team credential sharing, identity protection. Of those, password management and secure document storage are not what Refact is typically brought in for.
What can 1Password do that Refact cannot?
1Password covers Password generator, Autofill, Secure notes, Credit card storage. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

1Password: Does 1Password offer a free tier?

No. 1Password offers no free tier as of July 2026, but provides a 14-day free trial with no credit card required for all plans except Enterprise.

Source
Refact: How many programming languages does Refact support?

Refact supports 25+ programming languages including Python, JavaScript, Go, Rust, Java, C++, and many others.

Source
1Password: Can I access 1Password offline?

Yes. The desktop app allows for offline access to your vault once you have synced your passwords to the device.

Source
Refact: Can I deploy Refact on-premises?

Yes. Refact offers on-premise deployment options for organizations requiring complete data control and privacy.

Source
1Password: What is the pricing for individuals and families?

Individual plan costs 2.99 USD per month or 35.88 USD annually. Families plan costs 59.88 USD per year and includes five licenses with the ability to add more for 1 USD per month each.

Source
Refact: What LLMs does Refact support?

Refact works with multiple LLMs including Claude, GPT-4, and open-source models, giving you flexibility in model selection.

Source
1Password: What platforms does 1Password support?

1Password is available on macOS, Windows, iOS, Android, Linux, with browser extensions for Chrome, Firefox, Edge, Brave, and Safari.

Source
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