Why it wins
- Copilot Pro at $10 per user per month is still half the price of Cursor Pro, but buyers now need to think in GitHub AI Credits for agent, chat, Spark, and premium-model usage.
- Copilot Pro+ at $39 and Max at $100 create a clearer individual power-user ladder before a buyer moves into Business or Enterprise governance.
- Copilot Business at $19 per seat per month undercuts Cursor Teams by $21 per seat, creating a large spread for bigger engineering orgs.
- Because 1 GitHub AI Credit equals $0.01, Copilot economics no longer stop at the seat price once agents, Spark, chat, and premium models scale up.
- Copilot code review economics require modeling both AI Credits and Actions minutes for private repositories, so high-review teams need budgets and runner policy before broad rollout.
- Copilot Enterprise reaches $39 per user per month, but that higher price comes with deeper organizational context and control rather than a separate general assistant.