Refact.ai

What is Refact.ai?

Refact.ai is an AI coding agent that works inside your IDE. You describe a task and the agent plans, writes, tests and deploys step by step, searching your repository for context and connecting to tools such as GitHub, GitLab, PostgreSQL, Docker and CI/CD pipelines. It also offers codebase-aware chat, fast auto-completion that stays free and unlimited, rollbacks of agent changes, and memory that learns from your feedback. The project is open source and can be self-hosted or deployed on premises. Usage is metered in coins, where $1 equals 1,000 coins. The Free plan includes 5,000 coins, Pro costs $10 per month for 10,000 coins that roll over, and you can connect your own API key or a local model so requests bill to your provider instead. Enterprise terms are available on request.

Use cases

• Delegate coding tasks to an agent
• Chat with a codebase-aware assistant
• Generate tests and fix bugs
• Refactor code across files
• Autocomplete code in the IDE
• Run models locally through BYOK

Who it's for

• Software developers
• Engineering teams
• Enterprises needing on-premise AI

Why use Refact.ai

• Pay-per-action coins mean small tasks cost little, and unused coins roll over without expiring.
• BYOK lets you use your own provider keys or local models with no coin cost.
• The wallet balance is a hard limit, so a run cannot spend more than you have loaded.
• Open-source code and on-premise deployment suit teams that must keep data in house.
• Completions remain free and unlimited for everyone.

Refact.ai features

• Autonomous AI agent that plans and executes tasks
• Unlimited fast auto-completion
• In-IDE chat aware of your codebase
• Codebase-aware vector database (RAG)
• Connections to GitHub, GitLab, PostgreSQL and Docker
• Bring your own key for OpenAI, Anthropic and local models
• Rollback of AI-made changes
• Self-hosting and on-premise deployment
• MCP support
• Fine-tuning on your stack

Refact.ai integrations

• GitHub
• GitLab
• PostgreSQL
• Docker
• OpenAI
• Anthropic
• OpenRouter
• Ollama
• LM Studio

How to get started with Refact.ai

1. Install the Refact.ai plugin for VS Code or JetBrains.
2. Open chat in Agent mode and describe the task you want done.
3. The agent searches the repository, plans steps, edits code, and can run tools.
4. Pause or stop a run at any time, and roll back changes you do not want.
5. Add coins on Pro, or connect your own API key under Settings to use your preferred models.

Refact.ai limitations

• Agent work uses coins, and execution pauses when your balance reaches zero
• One-time coin top-ups are available only to Pro subscribers
• Pricing details come from a 2025 announcement and may have changed
• Using a BYOK model for autocompletion needs the model name entered manually

Refact.ai pricing

Yes, Refact.ai has a free plan. Paid plans start at $10 per month, according to the official pricing page on 24 Oct 2026.

Refact.ai plans

• Free

  $0/month

  • 5,000 coins
  • AI Agent and chat
  • Unlimited fast auto-completion
  • Codebase-aware RAG

• Pro

  $10/month

  • 10,000 coins per month
  • Unused coins roll over
  • Top-ups from $5
  • 2x to 5x plans available

Plans as listed on the official pricing page on 24 Oct 2026. Prices can change and may vary by country or exclude tax. Check the official pricing page.

Refact.ai alternatives

The main Refact.ai alternatives listed on Debuly are Cursor, GitHub Copilot, Cline, Tabby, Aider and Continue. The table compares pricing and platforms; order is A–Z.

1. Ai

   Aider

   Open-source AI pair programming tool that runs in your terminal and edits code in your local git repository using the LLM you choose.

   CodingDeveloper platforms
   Open sourceVisit Aider (official site)
2. 

   Cline

   Open-source AI coding agent for VS Code, JetBrains, the terminal and desktop that edits files and runs commands with your approval.

   CodingDeveloper platformsAutomation and agents
   Open sourceVisit Cline (official site)
3. 

   Continue

   Open-source AI coding assistant for VS Code and JetBrains with chat, agent, edit and autocomplete modes, now part of Cursor.

   CodingDeveloper platforms
   Open sourceVisit Continue (official site)
4. 

   Cursor

   AI code editor and coding agent with cloud agents, Bugbot code review and multi-provider models, sold with Grok and X plans.

   CodingAutomation and agentsDeveloper platforms
   FreemiumVisit Cursor (official site)
5. 

   GitHub Copilot

   GitHub's AI coding assistant for code completion, chat and agents in VS Code, JetBrains, Visual Studio, the CLI and GitHub.com.

   CodingAutomation and agents
   FreemiumVisit GitHub Copilot (official site)
6. 

   Tabby

   Open-source, self-hosted AI coding assistant offering code completion, chat and an answer engine on your own infrastructure.

   CodingDeveloper platforms
   Open sourceVisit Tabby (official site)

Refact.ai FAQ

Sources & verification

Facts on this page come from the official sources below, each with the date we read it. Written by Debuly; the vendor did not review this page.

Image credits

• Logo: from refact.ai · fetched 24 Oct 2026 · Vendor trademark, used only to identify the product; removed on request
• Cover: none collected yet, so a generated tile is shown.

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