Copilotly vs Cursor

Three copilots of your choosing, 50 messages a day, conversation history and the browser extension. No card and no time limit: the 50 messages are a daily cap that resets rather than a total.

The free Hobby plan provides 2,000 completions per month and 50 slow premium requests, with access to basic autocomplete features. Codebase-wide indexing and the Composer multi-file editor are not available on the free plan.

Pro bills three ways: $4.99 a week, $29 a month, or $290 a year. The annual cycle works out at about $24.17 a month, so it is the cheapest of the three.

While Cursor can open and edit files locally, its AI features including autocomplete, chat, agents, and codebase-aware reasoning require internet access to cloud-hosted models.

Pro has a three-day free trial and a seven-day money-back guarantee. Subscriptions can be cancelled at any time with no cancellation fee.

Cursor can integrate with local models, but requests still route through Cursor's backend for prompt building. True localhost mode without external endpoints is not supported. The paid plan ($20+/month) is required to use local models.

It routes to third-party foundation models rather than its own: GPT-4o, Claude, Gemini and DeepSeek. Answer quality is therefore bounded by whichever of those handles a query.

Cursor offers Privacy Mode (enabled on paid Team plans) which prevents customer data from being used for model training, with zero data retention agreements with all AI providers. When disabled, Cursor may use codebase data to improve features.

Pro ($20/month) includes unlimited completions and 500 fast premium requests, while Pro+ ($60/month) provides 3x those request limits, priority feature access, and extended Agent capabilities.

SSO with SAML/OIDC is included on Teams Standard ($40/user/month) and higher plans, with full team administration and audit logs.