✓ Last verified: 2026-08-11· Plan and model rates shown are labeled illustrative defaults, not live quotes· Reference estimate — report change →
Cursor's Pro and Pro+ plans bill AI coding-agent usage against a dollar-denominated credit pool — Cursor bills credits 1:1 with USD, so a $20/mo Pro plan gets a $20 pool and a $60/mo Pro+ plan gets a $60 pool. Every agent request draws down that pool at its real per-request token cost, and once the pool is exhausted mid-month you're billed overage at the same rate (no markup) or dropped to a slower free "Auto" mode. This is different from our AI coding agent: subscription vs API calculator, which only compares a flat subscription price against raw metered API cost — it doesn't model the credit-pool depletion timing or overage billing that this tool does. For other credit-based tools see the AI app builder credits calculator, and for the raw token math behind any of these see the context window cost calculator or the general AI subscription vs API calculator.
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total monthly cost (plan + overage)
—overage billed this month
—credit pool exhausts on
—monthly consumption
Pool headroom / overage
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Cost by agent requests per day
Everything else held at the values above, swept across requests/day, showing monthly consumption, overage, total cost and the day the pool runs out. The highlighted row is closest to your current requests/day input.
Requests/day
Monthly consumption
Overage
Total cost
Exhausts on day
Your usage priced against Pro vs Pro+
Same requests/day, tokens and model as above, priced against each Cursor plan's credit pool, next to your current plan/pool settings.
Plan
Pool
Overage
Total cost
Exhausts on day
How this connects to other tools
This calculator prices one specific mechanic: Cursor's dollar-denominated credit pool, how fast your actual per-request token cost burns through it, and what happens when it runs out mid-month — either overage billing at the same 1:1 rate or a drop to slower Auto mode. That's a narrower, more specific question than the AI coding agent: subscription vs API calculator, which compares a flat subscription price against raw metered API cost in general, without modeling any credit-pool depletion timing or overage mechanic — use that tool if you just want a broad subscription-vs-API comparison across coding agents, and use this one if you specifically want to know when your Cursor pool runs dry and what your real bill looks like. Other tools that use similar credit-pool or credit-consumption models are covered by the AI app builder credits calculator. Since the pool math ultimately comes down to token counts per request, the context window cost calculator is useful for digging into how input context size alone drives per-request cost, and the general AI subscription vs API calculator covers the same flat-vs-metered tradeoff this page's credit-pool mechanic sits on top of.
The Cursor Credit-Pool Overage Calculator starts from the real per-request cost of an agent call: avg input tokens divided by 1,000,000 times the model's input price, plus avg output tokens divided by 1,000,000 times the output price, gives the cost per request — at the defaults (8,000 in / 800 out tokens, Claude Sonnet-class $3/$15 per 1M), that's $0.024 + $0.012 = $0.036 per request. Multiplying by agent requests per day gives daily consumption ($0.90/day at 25 requests/day), and multiplying that by active coding days per month gives monthly consumption ($19.80/month at 22 active days) — the dollar amount your usage actually draws from the pool, independent of what your plan happens to cost.
If monthly consumption is under your credit pool size, there's no overage and your total monthly cost is simply the flat plan price — at the defaults, $19.80 of consumption fits inside a $20 Pro pool with just $0.20 to spare, so the pool technically lasts the full 22-day month (pool exhaustion day caps at day 22). Push requests per day up to 30 instead and daily consumption rises to $1.08, monthly consumption to $23.76 — now $3.76 over the $20 pool, so overage is billed on top of the flat price for a total monthly cost of $23.76, and the pool actually runs dry around day 19 (pool size ÷ daily consumption = 18.52, rounded up), leaving the rest of the month on overage billing or Auto mode. That's the core tradeoff this calculator makes visible: small changes in daily request volume, token length, or model choice can flip a month from flat-and-comfortable to overage-and-exhausted well before the month ends.
Frequently asked questions
How does Cursor's credit-pool pricing actually work?
Cursor's Pro and Pro+ plans bill AI coding-agent usage against a dollar-denominated credit pool rather than a flat unlimited-feeling allowance: Cursor bills credits 1:1 with USD, so a $20/mo Pro plan gets a $20 credit pool and a $60/mo Pro+ plan gets a $60 credit pool, roughly 3x. Every agent request you send draws down that pool at its real per-request token cost, calculated across whichever underlying model you've selected (Claude Sonnet-class, Opus-class, GPT-5-class, etc.) — cheaper models and shorter requests burn the pool slowly, pricier models and longer context burn it fast. This replaces Cursor's older flat, unlimited-ish pricing structure with something that tracks actual usage the same way a metered API would, just wrapped inside a monthly subscription pool.
What happens when I run out of credits?
Once your monthly consumption burns through your credit pool, one of two things happens depending on your account settings: Cursor either bills you overage at the same 1:1 rate with no markup over the underlying per-request token cost, letting you keep working at full speed for the rest of the billing cycle, or — if you haven't enabled usage-based overage billing — you drop down to Cursor's slower, rate-limited free "Auto" mode for the remainder of the cycle instead of being billed further. Which one applies to you is a setting you control, so it's worth checking before your pool runs low mid-month.
Is Cursor Pro+ worth it over Pro?
Pro+ costs three times as much as Pro ($60 vs $20 per month) for roughly three times the credit pool ($60 vs $20), so on paper it's a linear scale-up, not a discount. It only pays off if your actual monthly consumption would otherwise blow through the Pro pool and either rack up meaningful overage charges or push you into Cursor's slower Auto-mode limits partway through the month. Heavier daily agent users — lots of requests per day, long input context, or an expensive Opus-class model — burn through the Pro pool fast and are the clearest case for upgrading; light or occasional users who comfortably fit inside a $20 pool gain little from paying 3x for headroom they won't use.
Why did my Cursor bill vary month to month?
Unlike a flat subscription price that's the same every month regardless of how much you use it, Cursor's credit-pool pricing means your actual bill tracks real usage: more agent requests per day, more active coding days, longer input context per request, or switching to a pricier model all raise your monthly consumption, and if that pushes past your pool size you're billed overage on top of the base plan price. This can catch people off guard because per-request cost depends heavily on token counts, which vary a lot by task — a month of mostly small edits can look nothing like a month of large refactors even if your day-to-day habits feel unchanged, so the bill moves even when your behavior doesn't feel like it changed.