Softwr

Cybersecurity · head to head

Clerk vs Refact

Clerk logo

Clerk

Cybersecurity

Drop-in user authentication and management for developers

From
Free
Rated
-
Full reviewWebsite
Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Clerk pricing scales with monthly retained users, which can grow expensive quickly for consumer apps with large user bases.; Refact requires configuration for optimal performance
  • They diverge on capability: Clerk covers Prebuilt UI components, Refact covers Autonomous agent workflows.
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Clerk and Refact actually diverge.

Attributes where Clerk and Refact differ
AttributeClerkRefact
Pricing modelfreemiumFreemium with paid tiers
Platformsweb, ios, android, apiVS Code, Web
CategoryCybersecurityDeveloper Tools
FoundedUnknown2023

Identical on both: starting price (Free), free tier (Yes), 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 Clerk

  • Prebuilt UI components
  • Organization management
  • Multi-factor authentication
  • Social sign-on
  • Billing
  • Enterprise connections

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.

Clerk

  • Adding sign-in and user profiles to a web or mobile app quicklynot Refact
  • B2B SaaS apps needing organizations and role-based accessnot Refact
  • Startups wanting prebuilt UI instead of building auth in-housenot Refact
  • Apps needing MFA and fraud detection out of the boxnot Refact

Refact

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

Where each one falls short

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

Clerk

  • Pricing scales with monthly retained users, which can grow expensive quickly for consumer apps with large user bases.
  • Enterprise SSO connections beyond the first are billed as add-ons, adding cost for larger organizations.
  • The Business tier's extra dashboard seats cost $20/month each, which adds up for larger teams.
  • Enterprise-tier features like the 99.99% uptime SLA require annual contracts rather than flexible monthly billing.

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

Clerk

Free
  • HobbyFree
    • 50,000 MRU limit per app
    • Up to 3 dashboard seats
    • Unlimited applications
  • Pro$25/month
    • 50,000 MRUs included, $0.02/MRU overage
    • Up to 3 dashboard seats
    • 1 Enterprise Connection included
  • Business$300/month
    • 50,000 MRUs included with volume pricing
    • 10 dashboard seats included
    • SOC2 report and priority support
  • Enterprise$undefined/month
    • Custom pricing, annual billing
    • 99.99% uptime SLA
    • HIPAA available, dedicated Slack channel

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 Clerk if

  • You need prebuilt ui components.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want organization management.
Clerk 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 Clerk or Refact better?
Neither clearly leads. Clerk starts at Free and Refact at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Clerk or Refact?
Clerk starts at Free and Refact at Free.
Does Clerk or Refact run on more platforms?
Clerk runs on web, ios, android, api. Refact runs on VS Code, Web.
Can I use Clerk for free?
Both have a free tier, so you can try either at no cost before committing.
What is Clerk best used for?
Clerk is most often used for adding sign-in and user profiles to a web or mobile app quickly, b2b saas apps needing organizations and role-based access, startups wanting prebuilt ui instead of building auth in-house, apps needing mfa and fraud detection out of the box. Of those, adding sign-in and user profiles to a web or mobile app quickly and b2b saas apps needing organizations and role-based access are not what Refact is typically brought in for.
What can Clerk do that Refact cannot?
Clerk covers Prebuilt UI components, Organization management, Multi-factor authentication, Social sign-on. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

Clerk: What does Clerk cost?

Clerk's Hobby plan is free with a 50,000 MRU limit; Pro is $25/month ($20/month billed annually), Business is $300/month ($250 annually), and Enterprise uses custom annual pricing.

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
Clerk: Is there a free plan and what are its limits?

Yes, the Hobby plan is free with a 50,000 monthly retained user (MRU) limit per app, up to 3 dashboard seats, and unlimited applications, with no credit card required.

Source
Refact: Can I deploy Refact on-premises?

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

Source
Clerk: How is usage metered?

Clerk meters by monthly retained users (MRUs) — users who return to the app at least a day after signing up — with overage billed at $0.02 per MRU beyond the included 50,000 on paid plans.

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
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