Comparison

Coding AI subscriptions compared by usage quota: Claude Code, Codex, Cursor, Copilot, Windsurf

The question developers ask on Reddit is not "which model is smarter" but "will the plan last a working day". This page lines up the coding agent plans by what each includes, how its usage is capped (session, daily, weekly or monthly windows) and what extra usage costs, all quoted from the vendors' pricing pages with the date we checked. No benchmark scores, no opinions on model quality.

Tools: 6
Plans: 32
Plans with a numeric quota: 12

Plan by plan: price, included usage, cap window, extra usage

Plan	Price	Included usage	Cap window	Beyond the cap	Checked
Claude Code Pro	$20/mo	Usage limits apply More usage than Free Five-hour session limit plus a weekly limit, shared across claude.ai, Claude Code and the desktop app	5-hour session + weekly	Console use is billed by API token consumption; API list prices include Sonnet 5.5 at $2 input / $10 output per MTok. Extra usage options e…	Sep 29, 2026 source
Claude Code Max 5x	$100/mo	5x the usage of Pro Usage limits apply Five-hour session limit plus a weekly limit, shared across claude.ai, Claude Code and the desktop app	5-hour session + weekly	Console use is billed by API token consumption; API list prices include Sonnet 5.5 at $2 input / $10 output per MTok. Extra usage options e…	Sep 29, 2026 source
Claude Code Max 20x	$200/mo	20x the usage of Pro Usage limits apply Five-hour session limit plus a weekly limit, shared across claude.ai, Claude Code and the desktop app	5-hour session + weekly	Console use is billed by API token consumption; API list prices include Sonnet 5.5 at $2 input / $10 output per MTok. Extra usage options e…	Sep 29, 2026 source
Claude Code Team (standard seat)	$25 per seat per month, billed monthly	Teams of 2 to 150 More usage than Pro	Not stated	Console use is billed by API token consumption; API list prices include Sonnet 5.5 at $2 input / $10 output per MTok. Extra usage options e…	Sep 29, 2026 source
Claude Code Enterprise	Usage-based	Spend limits set by admins	Not stated	Console use is billed by API token consumption; API list prices include Sonnet 5.5 at $2 input / $10 output per MTok. Extra usage options e…	Sep 29, 2026 source
OpenAI Codex Free	Free	Desktop app only listed Usage limits apply	Not stated	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
OpenAI Codex Go	$8/mo	Desktop app only listed Usage limits apply	Not stated	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
OpenAI Codex Plus	$20/mo	Usage limits apply Local messages and cloud chats share the plan's allowance per five-hour period; weekly limits may also apply	5-hour session + weekly	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
OpenAI Codex Pro	See official pricing	Higher usage than Plus Currently no five-hour limit; weekly limits may apply	5-hour session + weekly	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
OpenAI Codex Business	$25 per user per month, billed monthly	Usage limits apply Same per-seat five-hour estimates as Plus; extra credits can be bought	5-hour session	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
OpenAI Codex API key	Usage-based	No GitHub code review or Slack	Not stated	API-key use is billed at API rates; Enterprise/Edu is contact sales.	Sep 29, 2026 source
Cursor Hobby	Free	Limited Agent requests	Not stated	On-demand usage after included model usage is consumed, billed in arrears; Bugbot on Individual is usage-based	Sep 29, 2026 source
Cursor Individual (Pro)	$20	Extended limits on Agent Usage beyond included amount billed on demand	Not stated	On-demand usage after included model usage is consumed, billed in arrears; Bugbot on Individual is usage-based	Sep 29, 2026 source
Cursor Individual (Pro+ / Ultra)	See official pricing	Pro+ recommended for daily agent users, Ultra for power users	daily	On-demand usage after included model usage is consumed, billed in arrears; Bugbot on Individual is usage-based	Sep 29, 2026 source
Cursor Teams (Standard / Premium)	$40 per user per month	Included usage plus on-demand billing	Not stated	On-demand usage after included model usage is consumed, billed in arrears; Bugbot on Individual is usage-based	Sep 29, 2026 source
GitHub Copilot Copilot Free	Free	2,000 completions per month Limited chat and agent usage (allowance of GitHub AI Credits) Auto model selection only	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Student	Free	Verified students only Allowance of AI credits Auto model selection only	Not stated	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Pro	$10/mo per user	Base 1,000 AI credits + 500 flex allotment = 1,500 total monthly AI credits ($15 value) Flex allotments may change over time Unused credits do not carry over	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Pro+	$39/mo per user	Base 3,900 AI credits + 3,100 flex = 7,000 total monthly AI credits ($70 value) Flex allotments may change over time	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Max	$100/mo per user	Base 10,000 AI credits + 10,000 flex = 20,000 total monthly AI credits ($200 value)	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Business	$19/mo per seat	1,900 AI credits per user per month, pooled enterprise-wide Usage beyond the pool charged at $0.01 per AI credit if admins allow paid usage Homepage notes new sign-ups are being enabled gradually	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
GitHub Copilot Copilot Enterprise	$39/mo per seat	3,900 AI credits per user per month, pooled Requires GitHub Enterprise Cloud Contact sales	monthly	1 AI credit = $0.01 USD; after the monthly allowance you can set a USD budget for additional usage, upgrade (paying only the price differen…	Sep 30, 2026 source
Devin Desktop (formerly Windsurf) Free	Free	Light quota for agent usage, resets daily and weekly Limited model availability Up to 10 concurrent sessions	5-hour session + daily + weekly	Users exceeding quota on paid plans can purchase extra usage at API pricing.	Oct 1, 2026 source
Devin Desktop (formerly Windsurf) Pro	$20/mo	Increased quotas (daily and weekly refresh) Full model availability (Claude, GPT, Gemini, SpaceXAI, open source) Up to 10 concurrent sessions	5-hour session + daily + weekly	Users exceeding quota on paid plans can purchase extra usage at API pricing.	Oct 1, 2026 source
Devin Desktop (formerly Windsurf) Max	$200/mo	Significantly higher quotas than Pro Full model availability Unlimited concurrent sessions	5-hour session	Users exceeding quota on paid plans can purchase extra usage at API pricing.	Oct 1, 2026 source
Devin Desktop (formerly Windsurf) Teams	$80/mo	Up to 200 users Unlimited concurrent sessions Each full user gets own generous quota	5-hour session	Users exceeding quota on paid plans can purchase extra usage at API pricing.	Oct 1, 2026 source
Gemini CLI Free (Google account)	Free	Verify current availability	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source
Gemini CLI Google AI Pro	See official pricing	Higher limits than free	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source
Gemini CLI Google AI Ultra	See official pricing	Highest limits	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source
Gemini CLI Google Developer Program	See official pricing	Higher limits	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source
Gemini CLI AI Studio API key	Usage-based	Free-tier data may be used to improve products	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source
Gemini CLI Vertex AI	Usage-based	Regional data residency options	Not stated	API billing via AI Studio or Vertex AI.	Sep 29, 2026 source

Cap window is read from the vendor's own wording ("resets every five hours", "weekly", "per month"); "Not stated" means the plan text gives no window. Prices in USD before tax.

How to read the quotas

Multipliers ("5x the usage of Pro") are not numbers: the base allowance is not published, so a Max plan is bigger than Pro by the stated factor and nothing more can be said.
Credit systems (Copilot, Cursor) publish a monthly amount and a price per extra unit; windowed systems (Claude Code, Codex, Windsurf) publish a reset rhythm and sell extra usage at API-style rates.
A long agentic session burns a windowed allowance fastest, which is why vendors sell higher tiers as larger windows rather than better models.

Usage limits, in the vendors' words

What happens when I hit the usage limit?

Session limits reset every five hours; on Pro, Max and Team you can enable usage credits billed at standard API rates to keep going.

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How do Claude's 5-hour and weekly usage limits work?

Paid plans have two limits. A session limit resets every five hours, and a weekly limit applies across all models and resets at a fixed time each week assigned to your account. Anthropic publishes no message count: how far the allowance goes depends on message length, attached files, conversation length, the model, extended thinking and tool use.

Max plans also have a separate weekly limit for Fable. Both progress bars are under Settings > Usage.

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What happens when I hit a Claude usage limit?

Without usage credits, Claude stops until the five-hour session or the weekly window resets. Pro, Max, Team and seat-based Enterprise subscribers can enable usage credits: requests then switch to pay-as-you-go at standard API rates and keep working, billed separately from the subscription, until the monthly spend limit or the balance is reached. A limit reset, where offered, restores the five-hour or weekly limit to full.

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Does ChatGPT Plus have a 5-hour usage limit?

For Codex, OpenAI publishes estimates per five-hour period on Plus, for example 15 to 160 GPT-6.1 Sol messages or 350 to 3,000 GPT-6 Luna messages; these are estimates, not fixed caps, and weekly limits may also apply. Pro plans ($100, $200 or $500 a month) currently have no five-hour limit. For regular chat messages OpenAI publishes no counts on the pages we read; the usage dashboard shows current limits and reset times.

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What happens when ChatGPT says I have reached my usage limit?

On Plus, Business and Pro you can buy extra ChatGPT credits to keep working, or wait for the window to reset. Image generation draws from the same allowance and then from credits. On any plan you can run extra local Codex chats with your own API key, billed at standard API rates. A fallback for regular chat, such as switching to a smaller model, is not described on the pages we read.

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Do Codex and ChatGPT chat share one usage allowance?

ChatGPT Work and Codex share usage, and Codex local messages and cloud chats share the plan's allowance. Whether regular ChatGPT chat draws from the same pool is not stated on the pricing page.

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