Windsurf vs Refact AI

A detailed comparison to help you choose between Windsurf and Refact AI.

Windsurf

Windsurf

The agentic IDE by Codeium

Refact AI

Refact AI

Open-source AI coding assistant with self-hosting

Rating3.6 (695 reviews)4.9 (396 reviews)
Pricing Modelfreemiumfreemium
Starting PriceFree tier availableFree tier available
Best ForDevelopers wanting Cursor-level AI coding with a free optionPrivacy-conscious developers wanting a self-hosted AI code assistant
Free Tier
API Access
Team Features
Open Source
Tags
free tierbyok
free tieropen sourcebyok
Visit Windsurf →Visit Refact AI →

Windsurf

Pros

  • + Agentic multi-file editing
  • + Generous free tier
  • + Fast and responsive

Cons

  • - Newer than Cursor
  • - Smaller ecosystem of extensions
View full Windsurfreview →

Refact AI

Pros

  • + Self-hostable for privacy
  • + Open-source
  • + Usage statistics and analytics

Cons

  • - Self-hosting setup required
  • - Less capable than Cursor
View full Refact AIreview →

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Windsurf vs Refact AI — Comparison 2026 | ToolSpotter