Quick winner
Summary badges based on structured data only — no invented claims.
OpenAI $20/mo vs Cursor $20/mo
Both vendors offer a free plan
OpenAI publishes an enterprise tier
OpenAI exposes a public API
Wider plan coverage across free, team and enterprise tiers
Pricing comparison
How OpenAI and Cursor price their plans side by side.
| Feature | OpenAI | Cursor |
|---|---|---|
| Free plan | Yes | Yes |
| Entry monthly price | $20/mo | $20/mo |
| Entry annual price | $240/yr | $192/yr |
| Team / Business plan | $30/mo | $40/mo |
| Enterprise plan | Custom | — |
| Credits (entry paid tier) | Higher rate limits | 500 fast requests / month |
| Public API | Yes | No |
| SSO / SAML | Yes | No |
| Admin Console | Yes | No |
| Priority / dedicated support | Yes | No |
| Billing model | Flat / month, Per seat / month, Custom | Flat / month, Per seat / month |
| Annual billing discount | — | 20% off |
| Last pricing update | 2026-06-20 | 2026-06-20 |
Pricing history
Monthly price of the entry paid tier over time.
Feature comparison
Capability strengths derived from vendor category and published features.
Pros & cons
Derived from published plan structure and billing model.
- Free plan available — limited gpt-4o-mini
- Public API for developers and automation
- Enterprise tier with gpt-5 priority, sso / saml
- Category strengths: general ai, writing, reasoning
- Enterprise pricing requires a sales conversation
- Free plan available — 2,000 completions / 50 slow requests
- Annual billing with discount available
- Category strengths: coding, ide integration, autocomplete
- No public API — limited automation options
- No published enterprise tier
- Enterprise pricing requires a sales conversation
Best for
Recommendations based on structured capabilities.
Free tier plus low-cost entry paid plan
Public API and coding-oriented capabilities
Published enterprise plan with SSO and admin controls
Strong writing, image or productivity features
Annual billing plus predictable per-seat model
Pricing calculator
Estimate monthly and annual cost for your team.
Estimates based on published per-seat pricing. Enterprise plans require sales quotes.
Open Full Budget CalculatorFrequently asked
Answers drawn from the AIFinOps Vendor Database.
OpenAI and Cursor start at the same entry price of $20/seat/mo.
Both OpenAI and Cursor offer a free plan. OpenAI free: Limited GPT-4o-mini. Cursor free: 2,000 completions / 50 slow requests.
OpenAI team option: Team at $30/seat/mo. Cursor team option: Business at $40/seat/mo.
OpenAI publishes an enterprise tier. Cursor does not currently list one.
Yes. Both vendors offer month-to-month billing on their entry paid plans, so you can migrate without long-term lock-in. Import your team's spend into AIFinOps to model the switch before committing.
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