# Best AI coding plan under $200

Verified 2026-10-14. Every figure is copied from the official vendor page; unknown means the vendor does not publish it.

Every individual paid plan from Cursor, Claude Code, Codex, Copilot and Devin Desktop that lists a price of $200 a month or less. We rank by what the vendor gives you, not by our opinion.

## Highest plan per tool at or under $200

- Cursor: Ultra at $200/mo (50x Plus)
- OpenAI Codex: Pro 200 at $200/mo (More than Pro 100; new subs get lower allowance than before (grandfathering to 2026-10-29))
- Windsurf (now Devin Desktop): Max at $200/mo (Significantly higher quotas; exact quota unknown)
- Claude Code: Max 5x at $100/mo (5x Pro per 5-hour session; $100/mo API credits)
- GitHub Copilot: Max at $100/mo ($200/mo total AI credits ($100 base; flex amount not shown))


## Every paid plan at or under $200

| Tool | Plan | Price | Usage | Source |
|---|---|---|---|---|
| Cursor | Ultra | $200/mo | 50x Plus | https://cursor.com/pricing |
| OpenAI Codex | Pro 200 | $200/mo | More than Pro 100; new subs get lower allowance than before (grandfathering to 2026-10-29) | https://help.openai.com/en/articles/9793128-about-chatgpt-pro-tiers |
| Windsurf (now Devin Desktop) | Max | $200/mo | Significantly higher quotas; exact quota unknown | https://devin.ai/pricing |
| Claude Code | Max 5x | $100/mo | 5x Pro per 5-hour session; $100/mo API credits | https://claude.com/pricing |
| Cursor | Super | $100/mo | 15x Plus; priority access at peak | https://cursor.com/pricing |
| GitHub Copilot | Max | $100/mo | $200/mo total AI credits ($100 base; flex amount not shown) | https://github.com/features/copilot/plans |
| OpenAI Codex | Pro 100 | $100/mo | No 5-hour limit currently; exact allowance unknown | https://help.openai.com/en/articles/9793128-about-chatgpt-pro-tiers |
| GitHub Copilot | Pro+ | $39/mo | $70/mo of AI credits ($39 base + $31 flex) | https://github.com/features/copilot/plans |
| Cursor | Premium | $30/mo | 4x Plus; third-party models at API list price; cloud agents | https://cursor.com/pricing |
| Claude Code | Pro | $20/mo | At least 5x Free per 5-hour session; exact tokens unknown | https://claude.com/pricing |
| OpenAI Codex | Plus | $20/mo | Expanded Codex; 5-hour message estimates by model | https://learn.chatgpt.com/docs/pricing |
| Windsurf (now Devin Desktop) | Pro | $20/mo | Increased quotas, all frontier models; exact quota unknown | https://devin.ai/pricing |
| GitHub Copilot | Pro | $10/mo | $15/mo of AI credits ($10 base + $5 flex); unlimited completions | https://github.com/features/copilot/plans |
| Cursor | Plus | $8/mo | Basic shared pool; Grok models only | https://cursor.com/pricing |
| OpenAI Codex | Go | $8/mo | Limited Codex; may include ads | https://learn.chatgpt.com/docs/pricing |

## Notes

- Claude Max 20x price is not shown on claude.com/pricing, so we leave it out rather than guess.


## How limits reset

- Cursor: Shared AI usage pool across Cursor and Grok; allowance refreshes weekly; third-party models billed separately at API list price; top-offs available.
- OpenAI Codex: Included in ChatGPT plans. Plus: estimated local messages per 5-hour window (e.g. GPT-6.1 Sol 15-160, GPT-6 Astra 5-45), weekly limits may apply. Pro: no 5-hour limit currently. Credits extend usage.
- Windsurf (now Devin Desktop): Quota allowance refreshing daily and weekly; extra usage at API pricing. windsurf.com/pricing now redirects to devin.ai/pricing (checked 2026-10-14 18:15 CT).
- Claude Code: Rolling 5-hour session window plus weekly limits on paid plans; Claude Code shares the pool with Claude chat; no fixed message count published; optional usage credits at API rates.
- GitHub Copilot: Monthly GitHub AI Credits (1 credit = $0.01) = base + variable flex allotment; resets monthly; completions unlimited on paid plans; overage at $0.01/credit with a budget.


## FAQ

### Which AI coding plans cost $200 a month or less?

Cursor: Ultra at $200/mo (50x Plus); OpenAI Codex: Pro 200 at $200/mo (More than Pro 100; new subs get lower allowance than before (grandfathering to 2026-10-29)); Windsurf (now Devin Desktop): Max at $200/mo (Significantly higher quotas; exact quota unknown); Claude Code: Max 5x at $100/mo (5x Pro per 5-hour session; $100/mo API credits); GitHub Copilot: Max at $100/mo ($200/mo total AI credits ($100 base; flex amount not shown)). Prices verified 2026-10-14 on official vendor pages.

### How many paid AI coding plans cost $200 or less?

15 paid individual plans across 5 tools, counting only prices the vendor publishes.

### Do these prices include tax or annual discounts?

They are list prices per month billed monthly, as shown by each vendor. Claude Pro is the only plan here where we record an annual price ($17 a month).


## Related

- [Best AI coding plan under $10](https://whichaiplan.dev/best-ai-coding-plan-under-10/)
- [Best AI coding plan under $20](https://whichaiplan.dev/best-ai-coding-plan-under-20/)
- [Best AI coding plan under $100](https://whichaiplan.dev/best-ai-coding-plan-under-100/)
- [Full comparison of all tools](https://whichaiplan.dev/compare/)
- [Price changelog](https://whichaiplan.dev/changelog/)