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Research

The Economics of AI Coding Agents

Seat prices, usage allowances, metered overage, and automated review billing for seven vendors, checked against their pricing pages on Oct 12, 2026, with a cost-per-accepted-change method.

Reading time
9 min read
Sources
26 cited
In this piece
8 products

Key findings

  1. Team seats billed monthly list per user at GitHub Copilot Business US$19. Gemini Code Assist Standard lists at US$22.80, but Google has sold no new Code Assist subscriptions since October 9, 2026. Claude Team Standard and ChatGPT Business Standard (with Codex) seats cost US$25, and Devin Teams costs US$40. Cursor Teams seats start at US$30 in the X Subscription Cursor announced October 12, 2026; Standard seats at US$40 remain only for teams created before it.
  2. Seats carry a usage allowance that heavy agent work exceeds. Claude plans reset on five-hour and weekly windows, Copilot pools 1,900 or 3,900 AI credits per seat at US$0.01 each, and Cursor's X Subscription plans refresh one weekly pool for Cursor's own models and bill third-party models at API list price from prepaid credit.
  3. Anthropic reports that enterprise Claude Code deployments average about US$13 per developer per active day and US$150 to US$250 per month, with 90% of users under US$30 per active day.
  4. Claude Code Review averages US$15 to US$25 per review in Anthropic's launch figures, billed on tokens through usage credits under a monthly spend limit. GitHub estimates US$0.05 to US$1 per Copilot review on Lite effort and US$0.25 to US$5 on Balanced.

The seat is the smallest cost of an accepted change. Engineer time to review and rework the change costs more than the seat, the metered usage, or the automated review. Every vendor that sells a seat caps or meters model usage on top of it, and automated review bills on a meter of its own. GILD compares list prices for seven vendors, and sets out a method for cost per accepted change.

List prices, side by side

Every product below except Cline sells a team seat. Annual billing lowers the Claude Team Standard seat and the ChatGPT Business Standard seat to US$20 per user per month, and Gemini Code Assist Standard to US$19 on a 12-month commitment, for existing subscribers only: Google stopped selling new Code Assist subscriptions on October 9, 2026. Cline's open-source agent has no seat fee, so you pay the model provider directly or buy Cline credits.

Figure 1List prices for coding agents, checked October 12, 2026; Cursor, GitHub Copilot and Gemini Code Assist rechecked October 28, 2026
ProductTeam seat, billed monthlyIndividual plansTeam planEnterprise
Claude Code (Claude plans)US$25Pro US$20 per month or US$17 billed annually; Max from US$100 per monthTeam Standard US$25 per seat per month, or US$20 billed annually; Premium US$125, or US$100 annuallyUS$20 per seat per month billed annually, plus usage at API rates
Codex (ChatGPT plans)US$25Go US$8 and Plus US$20 per month; Pro tiers at US$100, US$200, or US$500 per monthBusiness US$25 per user per month, or US$20 billed annually for 2+ users; Premium US$125, or US$100 annuallyContact sales
CursorUS$30Plus US$8 (Grok models only), Premium US$30, Super US$100, Ultra US$200 per month in the X Subscription since October 12, 2026; Pro US$20 and Pro+ US$60 are legacy plans closed to new customersTeams seats at US$30 (Premium), US$100 (Super), or US$200 (Ultra) per user per month; Standard US$40 and Premium US$120 are legacy seats for teams created before the X SubscriptionCustom
GitHub CopilotUS$19Pro US$10, Pro+ US$39, Max US$100 per monthBusiness US$19 per granted seat per monthUS$39 per granted seat per month
Devin and Devin Desktop (formerly Windsurf)US$40Pro US$20, Max US$200 per monthTeams US$40 per full seat per month, US$80 monthly minimum, flex seats at no separate chargeContact sales
Gemini CLI (Gemini Code Assist)US$22.80Paid Gemini API key at per-token rates; the free tier moved to Antigravity CLI on June 18, 2026Standard US$22.80 per user per month on a monthly commitment, US$19 on a 12-month commitment, for existing subscribers only: new Code Assist subscriptions closed on October 9, 2026Enterprise US$54, or US$45 on a 12-month commitment, for existing subscribers only
ClineFree open-source agent; ClinePass US$9.99 per month standard rateNo seat fee; bring your own provider key or buy Cline creditsCustom

Vendor pricing pages listed under Sources, checked October 12, 2026; Cursor, GitHub Copilot and Gemini Code Assist rechecked October 28, 2026. US dollars, before tax. Gemini Code Assist prices are Google's published hourly license rates over a 730-hour month.

What the seat includes, and what happens past it

Each vendor caps the agent usage a seat includes and charges for usage past the cap. Cursor's seats include no third-party model usage at all, which bills at API list price from the first request. Two teams on the same seat can therefore pay very different bills. Check who can turn on paid usage and whether a limit stops work or only sends an alert. GitHub turns paid usage on by default for organizations until an administrator disables it.

Figure 2Agent usage included in a team seat, and the charge past it
ProductIncluded in the seatPast the allowance
Claude CodeA per-seat allowance shared with Claude chat and Cowork, reset on a five-hour and a weekly window; Premium seats get moreUsage credits, with spend limits for the organization, a group, or a member
CodexPlus and Business: 15 to 160 local messages per five hours on GPT-6.1 Sol; Pro has no five-hour limit; weekly limits may applyCredits on Plus and Pro, workspace credits on flexible-pricing plans, or an API key at API rates
CursorOne weekly pool for Cursor's own models per seat, shared with Grok; Super seats get 3.75 times and Ultra seats 12.5 times the Premium pool, and third-party models are not included. Legacy Standard and Premium seats keep two monthly pools, Cursor Models and Other ModelsPrepaid team balance: third-party models at API list price plus US$0.25 per million tokens, Cursor models past the pool at listed rates, under a monthly additional usage limit and per-member limits; legacy seats bill on-demand usage in arrears
GitHub Copilot1,900 (Business) or 3,900 (Enterprise) AI credits per seat per month, pooled across the organization; 1 credit is US$0.01Paid usage, on by default; administrators disable it or set user, cost-center, or enterprise budgets
Devin and Devin DesktopA daily and weekly quota on Pro; a larger weekly quota with no daily cap on MaxPrepaid on-demand credits that roll over and never expire, shared across a Teams plan
Gemini CLI1,500 (Standard) or 2,000 (Enterprise) model requests per user per dayA paid Gemini API key at per-token rates
ClineNo allowance with your own key; ClinePass quotas give 2 to 5 times standard API rate limitsThe model provider's rates, or pay-as-you-go Cline credits

Vendor documentation listed under Sources, checked October 12, 2026; Cursor rechecked October 28, 2026.

What heavy use costs

Anthropic publishes the clearest usage figure. Across enterprise deployments, Claude Code averages about US$13 per developer per active day and US$150 to US$250 per developer per month, and 90% of users stay below US$30 per active day. Heavy individual use runs far higher. A Sanity Staff Engineer (at the time of writing) budgets US$1,000 to US$1,500 a month for a senior engineer working mostly through the agent.

Token rates set the floor for metered and API use. Per million tokens, Claude Opus 5.5 costs US$4 input and US$20 output and Sonnet 5.5 US$2 and US$10; OpenAI's gpt-6.1-sol costs US$2 and US$10. Anthropic names the usual causes of unexpected spend as long sessions that were never cleared and Opus left as the default model. It reports that agent teams use about seven times the tokens of a standard session when teammates run in plan mode.

Figure 3Reported monthly usage cost per developer, Claude Code
SourceBasisPer developer per month
Anthropic, enterprise average (low end)Vendor-reported across enterprise deploymentsUS$150
Anthropic, enterprise average (high end)Vendor-reported across enterprise deploymentsUS$250
Sanity Staff Engineer at the time, heavy use (low end)Self-reported budget, September 2025US$1,000
Sanity Staff Engineer at the time, heavy use (high end)Self-reported budget, September 2025US$1,500

Claude Code docs: Manage costs effectively, checked October 12, 2026; Sanity, September 2, 2025.

Automated review is a second meter

AI review cost is the cost of each review times the number of reviews, and the vendors meter both differently. Claude Code Review runs several agents on Anthropic's infrastructure and bills the organization for tokens through usage credits, outside plan usage. It has no flat price, and Anthropic's launch post puts the average at US$15 to US$25 a review. Each review costs more with a higher review level, a larger change, more complex surrounding code, and more candidate issues to verify. GitHub publishes an estimated AI credit range per Copilot review, plus GitHub Actions minutes. It bills automatic reviews to the pull request author and manual ones to whoever requests them, and an owner can bill the organization instead. Cursor moved Bugbot to usage-based billing in its May 2026 pricing update.

Your own repositories decide where Claude's cost falls in that range, and Anthropic's documentation gives the method. Set a monthly Code Review spend limit and turn review on for a few representative repositories, set to run once per pull request or on request. Read each repository's average cost per review in the admin settings, then multiply it by the pull requests that repository opens in a month. The spend limit applies to the whole organization. When it, the organization's overall limit, or the usage credit balance runs out, Code Review skips the review and posts a comment on the pull request naming the cause.

Pick the trigger deliberately. A repository added to Claude Code Review from the admin page starts on every push, the most expensive setting, which multiplies the cost by the number of pushes. Once per pull request is cheaper. Per-push review suits repositories where a missed defect costs more than the reviews.

Figure 4How automated review is billed, and its published cost per review
ReviewerHigh end per reviewBilled toPublished cost per review
Claude Code ReviewThe organization, on tokens through usage credits, under a monthly spend limit for the whole organizationNo flat price; each repository's average cost appears in admin settings after reviews run
Copilot code review, Balanced effortUS$5The pull request author for automatic reviews, or the user who requests one, in AI credits, plus GitHub Actions minutes; owners can bill the organization insteadUS$0.25 to US$5
Copilot code review, Lite effortUS$1The pull request author for automatic reviews, or the user who requests one, in AI credits, plus GitHub Actions minutes; owners can bill the organization insteadUS$0.05 to US$1

Claude Code docs: Code Review costs and usage, checked October 25, 2026. Claude blog: Code Review for Claude Code, March 9, 2026, for the average. GitHub Copilot docs: Copilot code review, checked October 28, 2026. GitHub's figures exclude Actions minutes.

Cost per accepted change

Add four costs for a month, then divide by the changes that merged after normal review. Engineer time usually dominates. METR estimated 26 to 42 minutes of engineer time to bring a 2025 agent pull request to mergeable, and Faros AI measured review time up 91% on high-adoption teams. At typical loaded engineering rates, that time outweighs a US$13 day of tokens.

  • Seats: the monthly seat price for every engineer with access, used or not.
  • Metered usage: usage credits, overage, on-demand spend, or API bills for the month.
  • Automated review: cost per review times reviews per pull request, which depends on the trigger. For Claude Code Review, start from Anthropic's published average and replace it with your pilot's per-repository figure.
  • Engineer time: review and rework hours on agent-assisted changes, at your loaded hourly cost.

Controls that keep spend predictable

Set the caps before rollout, then watch per-user spend weekly for the first month.

  • Claude Team and Enterprise: turn on usage credits only with spend limits at the organization, group, or member level. On API billing, set Console workspace spend limits and export per-user cost through OpenTelemetry.
  • GitHub Copilot: decide whether the AI credits paid usage policy stays on, and set user-level budgets; a US$0 budget blocks a user immediately.
  • Cursor and Devin: usage past the included pool bills from prepaid credit or top-ups, or as on-demand usage on legacy Cursor plans, so assign an owner for the monthly total.
  • Gemini Code Assist, for existing subscribers: the seat sets a daily request cap, and work past it moves to an API key, so check which keys engineers use.

Methodology

List prices are each vendor's own, in US dollars before tax, from the official pricing pages and documentation GILD checked on October 12, 2026. GILD checked Claude Code Review billing on October 25, 2026, and rechecked Cursor, GitHub Copilot and Gemini Code Assist on October 28, 2026. Anthropic reports its own usage costs, Sanity and incident.io report theirs, and review time figures come from METR and Faros AI. The cost-per-accepted-change method is GILD's.

Products in this piece

Sources

Official documentation
22
Public source
4
  1. Claude pricingOfficial documentationclaude.com
  2. Claude Code docs: Manage costs effectivelyOfficial documentationcode.claude.com
  3. Claude API pricingOfficial documentationplatform.claude.com
  4. Claude Code docs: Code ReviewOfficial documentationcode.claude.com
  5. Claude Code docs: Code Review costs and usageOfficial documentationcode.claude.com
  6. Claude blog: Code Review for Claude CodeOfficial documentationclaude.com
  7. Codex docs: PricingOfficial documentationlearn.chatgpt.com
  8. ChatGPT Business pricingOfficial documentationopenai.com
  9. OpenAI API pricingOfficial documentationdevelopers.openai.com
  10. Cursor pricingOfficial documentationcursor.com
  11. Cursor forum: Introducing The X Subscription, staff announcement (Oct 12, 2026)Official documentationforum.cursor.com
  12. Cursor docs: Models & pricingOfficial documentationcursor.com
  13. Cursor docs: BugbotOfficial documentationcursor.com
  14. GitHub Copilot docs: PlansOfficial documentationdocs.github.com
  15. GitHub Copilot docs: Usage-based billing for organizations and enterprisesOfficial documentationdocs.github.com
  16. GitHub Copilot docs: Copilot code reviewOfficial documentationdocs.github.com
  17. Devin docs: Self-serve plansOfficial documentationdocs.devin.ai
  18. Gemini for Google Cloud pricingOfficial documentationcloud.google.com
  19. Gemini Code Assist docs: Gemini Code Assist Standard and Enterprise subscriptionsOfficial documentationdocs.cloud.google.com
  20. Gemini CLI docs: Quota and pricingOfficial documentationgeminicli.com
  21. Cline pricingOfficial documentationcline.bot
  22. ClinePassOfficial documentationcline.bot
  23. Sanity: First attempt will be 95% garbage (Sep 2, 2025)Public sourcesanity.io
  24. incident.io: How we're shipping faster with Claude Code and Git Worktrees (Jun 27, 2025)Public sourceincident.io
  25. METR: Research Update, Algorithmic vs. Holistic Evaluation (Aug 2025)Public sourcemetr.org
  26. Faros AI: The AI Productivity Paradox Research Report (Jul 23, 2025)Public sourcefaros.ai