Best AI Coding Tools for 2026

We tested eight AI coding platforms — from IDE extensions to terminal agents — on autocomplete quality, agentic multi-file editing, codebase context, model flexibility, and pricing for beginners and professional developers.

Quick verdict: Cursor wins for the deepest AI-native IDE experience and multi-file agentic editing (4.6/10). Claude Code is the strongest terminal-first autonomous agent for complex refactors (4.5/10). GitHub Copilot leads on accessibility, IDE support breadth, and value for money (4.4/10). Windsurf delivers the best value AI IDE at $15/month (4.2/10).

How We Tested

We evaluated each tool over three weeks using a realistic small-team workflow: a 200-file JavaScript/TypeScript codebase (dashboard + API layer), a Python CLI project, a Next.js landing page, and a legacy PHP migration task. We scored autocomplete suggestion quality and relevance, agentic multi-file editing accuracy, codebase-wide context understanding (how well each tool handles large repos), model flexibility and routing options, IDE lock-in and supported editors, shell/terminal command execution, Git integration depth, pricing transparency, and free-tier generosity. We also measured ergonomics for beginners versus experienced devs, and how well each tool handles onboarding to an unfamiliar codebase.

The Top 8 AI Coding Tools

Cursor

Best all-in-one AI IDE for professional developers · 4.6/10

Cursor is an AI-native IDE forked from VS Code with AI deeply embedded at every layer. Its Composer (Cmd/Ctrl+I) lets you describe a multi-file change in natural language and applies it across every relevant file simultaneously. Tab (Cmd/Ctrl+K) offers inline edits for the current file or selection. Agent mode chains these together: plan → edit → run commands → iterate. Cursor indexes your entire project, so multi-file edits understand cross-module imports, types, and conventions without you manually adding context. The .cursorrules file encodes project conventions persistently. It supports Claude, GPT-4o, Gemini 2.5, and a growing model roster — routing between models per task is straightforward. The ecosystem is the most mature: extensions, MCP server support, Zapier MCP integrations, and a vibrant community shipping tips weekly. The downside: you commit to the Cursor IDE, and migrating settings back to vanilla VS Code takes work. At $20/month Pro, it's pricier than Copilot but cheaper than a separate Claude Code Max subscription — and the integration depth justifies it for daily use.

Strengths
  • Composer delivers the most reliable multi-file agentic editing of any IDE
  • Project-wide indexing is automatic — no manual context selection needed
  • Model flexibility: swap Claude, GPT-4o, Gemini, and more per task
  • .cursorrules gives persistent project-convention memory
  • MCP + Zapier MCP integrations unlock cross-tool workflows
  • Free tier with 2,000 completions/month is genuinely usable
Weaknesses
  • IDE lock-in — migrating sets between Cursor and VS Code is manual
  • Autonomous agent mode still requires review for complex security-sensitive changes
  • Pro plan is $20/month vs Copilot's $10 — harder sell for casual users
  • Enterprise/team controls are less mature than Copilot's
Best for: Solo developers and small teams who want the deepest AI-native IDE experience. Best-in-class for multi-file refactors, Next.js/React projects, and anyone willing to adopt a new IDE.
Pricing: Free (2,000 completions/month, 50 slow agent requests/month). Pro $20/month billed annually (unlimited completions, 500 fast requests/month). Pro+ $48/month for 2,000 fast requests/month. Team seats at $40/user/month.

Claude Code

Best terminal-first autonomous coding agent · 4.5/10

Claude Code is Anthropic's terminal-native agentic coding tool. Unlike IDEs or extensions, it runs directly in your shell — no editor required. Initialise with /init to generate a CLAUDE.md that encodes your project's architecture, dev commands, and conventions; Claude Code then reasons across your full codebase with up to 200K (and in some modes 1M) token context. It reads files, traces data flow, identifies bugs, plans refactors in a to-do list, runs tests, and commits — iterating on failures autonomously with human-in-the-loop approval gates. Claude Code connects to MCP servers natively and works with Zapier MCP for cross-system automation. The animated robot progress indicator has become a minor internet phenomenon. Where it falls short: there's no inline autocomplete as you type — it's purely agentic. The $20/month entry point (Pro plan) bills API usage against your monthly token window, so runaway agentic loops can eat your quota. For complex multi-file reasoning tasks — migrating modules, auditing codebases, generating test suites — it's the strongest tool in any comparison.

Strengths
  • 1M-token context window for whole-repo reasoning unmatched in this set
  • Genuinely autonomous: plans → edits → runs tests → iterates
  • CLI-only — works in any environment, no IDE switch required
  • CLAUDE.md gives persistent project memory across sessions
  • Native MCP support; Zapier MCP for cross-app automation
  • Desktop app available for users who prefer GUI launch
Weaknesses
  • No inline autocomplete — purely conversational/agentic, not background suggestions
  • Agentic API usage billed against Pro/Max token windows — runaway loops cost real money
  • Steeper learning curve than Copilot for first-time AI users
  • Model limited to Claude family (no GPT-4o or Gemini routing)
Best for: Experienced developers, terminal-native devs, and anyone doing complex refactors, audits, or legacy migrations on large codebases who want agentic autonomy without IDE lock-in.
Pricing: Included with Claude Pro ($17/month billed annually) — coding access counted against prompt limits per 5-hour window. Claude Max plan ($100/month) removes API risk with capped usage. API pay-as-you-go also available.

GitHub Copilot

Best value, widest IDE support, most accessible · 4.4/10

GitHub Copilot is the incumbent and still the easiest on-ramp to AI-assisted coding. Available as an extension for VS Code, JetBrains, Visual Studio, Vim, and Neovim — Copilot meets you in the editor you already use. Inline completions are fast and reliable; the chat interface handles explanations, docstring generation, and one-shot file edits. Agent mode (released 2025, mature in 2026) handles multi-file features and PR drafts. Copilot's biggest advantage is cost: Pro is $10/month, and the free tier (2,000 completions, 50 agent requests/month) is enough to test for weeks without spending. With ~42% developer adoption globally and GitHub's ecosystem integration (issues, PRs, Actions), it's the default enterprise choice. It supports GPT-4o and Claude Sonnet models via multi-model routing (previously Claude-only). Where Copilot falls short: codebase context is shallower than Cursor's — multi-file edits sometimes miss cross-module dependencies. Agent mode autonomy ceiling is lower than Claude Code. For enterprise teams already committed to GitHub, the decision is easy; for solo developers who want the deepest AI-native experience, Cursor or Claude Code feel richer.

Strengths
  • Widest IDE support: VS Code, JetBrains, Visual Studio, Vim, Neovim, Eclipse
  • Free tier (2,000 completions/month) is the best no-commitment entry point
  • GitHub-native PR and issue integration tightens team workflows
  • Agent mode now supports multi-file features and PR drafting
  • Pro at $10/month is the cheapest paid plan in this category
  • Multi-model support (GPT-4o + Claude) via model picker
Weaknesses
  • Codebase context is shallower than Cursor — multi-file edits miss cross-module deps more often
  • Agent mode autonomy ceiling is lower than Claude Code for complex multi-step tasks
  • Chat responses sometimes less detailed than Claude-native tools
  • Enterprise admin controls are good but team context features trail behind
Best for: Beginners and developers already on VS Code/JetBrains; GitHub-centric teams; anyone wanting the cheapest reliable entry point. Enterprise smallest common denominator.
Pricing: Free (2,000 completions/month, 50 agent requests/month). Pro $10/month (300 premium requests, unlimited inline). Pro+ $39/month (1,500 premium requests, access to top-tier models). Enterprise custom pricing.

Windsurf

Best value AI IDE, smart automatic codebase indexing · 4.2/10

Windsurf (formerly Codeium's IDE product) is a VS Code fork positioned as the budget Cursor alternative. Its standout feature is Cascade — an automatic indexing system that scours 500+ file codebases without you manually adding files to context, making it surprisingly effective on large projects where Copilot and Cursor both require tweaking. Model flexibility matches Cursor's: Claude, GPT-4o, and Gemini available. At $15/month Pro (billed annually), it undercuts Cursor by 25%. The free tier (25 credits/month) is restrictive but sufficient for trial. Windsurf's limitations track its price: agentic mode accuracy on multi-file tasks is lower than Cursor's Composer; the community and ecosystem are smaller; enterprise controls are basic. For solo developers or small teams on a budget who still want AI-native IDE features, Windsurf is the most rational choice. Auto-indexing is the genuine differentiator over cheaper alternatives. Where Windsurf trails: many advanced Copilot Kit and Cursor ecosystem extensions aren't yet supported; the desktop shell is less polished; remote/WSL support has more friction than VS Code proper.

Strengths
  • Cascade auto-indexing handles 500+ file repos without manual context selection
  • Model flexibility with Claude, GPT-4o, Gemini — same as Cursor
  • Best price-to-feature ratio: $15/month Pro vs Cursor $20 Pro
  • Free tier (25 credits/month) lets you test agentic features at zero cost
  • Built on VS Code fork — familiar UX and extension ecosystem
  • Flow mode provides real-time pair-programming style interaction
Weaknesses
  • Multi-file agentic accuracy trails Cursor's Composer on complex tasks
  • Smaller ecosystem and community than Cursor or Copilot
  • Enterprise/team controls still basic compared to Copilot or Cursor
  • WSL and remote dev support is less polished than VS Code
  • Extension compatibility gaps with some VS Code marketplace plugins
Best for: Budget-conscious solo developers and small teams; developers on large codebases (500+ files) where auto-indexing is the key differentiator; anyone who wants AI IDE features without Cursor's $20/month price tag.
Pricing: Free (25 credits/month, basic features). Pro $15/month billed annually (500 agent requests/month, unlimited completions, Cascade indexing). Team $30–60/user/month for shared context and admin controls.

Replit Agent

Best for no-setup cloud coding · 4.0/10

Replit Agent runs entirely in the browser — no local environment setup, no dependency installation, no Git configuration. Describe what you want in plain English and Replit Agent scaffolds the file structure, writes the code, installs dependencies, runs it, and iterates on errors. It supports Python, JavaScript/Node, HTML/CSS, Go, Rust, and most popular languages. The free tier is generous enough for prototyping and learning. Replit's "deploy in one click" flow is unique — spin up a publically reachable URL for any project in seconds, which makes it the best environment for sharing work-in-progress with collaborators or clients. The trade-off is power: Replit Agent operates in a sandboxed environment with limited shell access, and agentic edits on complex multi-file codebases are less reliable than Cursor or Claude Code. Performance degrades on repositories over ~100 files. Replit is excellent for MVPs, prototypes, tutorials, and new developers; once a project reaches production complexity, teams migrate to a local IDE with Cursor, Copilot, or Claude Code. Replit has also launched a local agent mode for Replit Desktop.

Strengths
  • Zero-setup browser IDE — no local install, no environment configuration
  • One-click public deploy for sharing prototypes with clients or collaborators
  • Generous free tier suitable for learning and prototyping
  • Agent mode handles full project scaffolding from a single prompt
  • Excellent onboarding for non-technical users and junior developers
  • Replit Desktop adds local execution for larger projects
Weaknesses
  • Agentic accuracy degrades above ~100 files — not suitable for enterprise codebases
  • Sandboxed shell limits advanced package management and system-level coding
  • Multi-file change reliability lags Cursor and Claude Code significantly
  • Real-time collaboration UX is functional but not polished
  • Paid tiers (Core, Teams) are priced aggressively for what you get
Best for: New developers learning to code, rapid prototyping, MVPs, educational environments, and anyone who wants to build and share a web app in under an hour without installing anything.
Pricing: Free (500 MB storage, basic agent). Core $25/month (10 GB storage, faster agents, private repls). Teams $40/user/month (SSO, shared resources, analytics).

Amazon Q Developer

Best for AWS-native Java/TypeScript teams · 4.1/10

Amazon Q Developer is AWS's answer to GitHub Copilot — an inline AI companion for VS Code, JetBrains, and a dedicated CLI that brings deep AWS service knowledge to your coding workflow. Its standout feature is in-place Java upgrades: Q can modernise Java 8/11 codebases to Java 17+ across dozens of files with dependency-mapping alongside it. It auto-completes code, summarises pull requests, explains code, and scans for hardcoded secrets. The AWS CodeWhisperer lineage shows in the breadth of IDE support and the accuracy of AWS SDK suggestions. Where it underperforms: model flexibility is limited (Titan + Bedrock routing, no Claude/Gemini opt-in); agentic multi-file editing is behind Cursor and Claude Code; the conversational interface feels thin compared to competitors. For AWS-first organisations, Amazon Q Developer's cloud context is genuinely useful — it suggests Lambda patterns, IAM policies, and CDK constructs that generic models miss. For teams on GCP or Azure, it has no equivalent context advantage.

Strengths
  • Java 8→17 automated upgrades across multi-file codebases are unique in category
  • Built-in AWS SDK and service knowledge — Lambda, CDK, S3, IAM suggestions are accurate
  • Free tier available; Pro tier at $19/user/month is competitive
  • Secret scanning and IaC security analysis baked in
  • VS Code and JetBrains support; dedicated CLI available
  • Works offline for basic completions via local model
Weaknesses
  • Model flexibility is limited — no native Claude/Gemini/GPT-4o opt-in
  • Agentic multi-file editing trails Cursor and Claude Code in accuracy
  • Best use-case is narrow: AWS-focused teams get genuine value, everyone else doesn't
  • Conversational interface is functional but not as nuanced as Copilot or Cursor
  • Track record on open-source and non-Java languages is weaker
Best for: AWS-native Java/TypeScript teams; organisations modernising legacy Java codebases; developers who want free or low-cost inline completions inside their existing IDE.
Pricing: Free Tier (unlimited completions, basic features). Pro $19/user/month (full agent features, Java upgrades, PR summaries). Enterprise custom pricing available.
🛡

Tabnine

Best for privacy-first enterprise teams · 4.0/10

Tabnine is the original AI code-completion tool (founded 2018) and remains the privacy-first choice for regulated industries. Unlike tools that send your full code to cloud APIs, Tabnine Enterprise deploys entirely on-premises or inside your VPC, never sending proprietary code to external servers. It trains exclusively on permissively licensed open-source code with an opt-out mechanism for contributors. Tabnine supports VS Code, JetBrains, Eclipse, Vim, and Visual Studio — broader IDE coverage than any competitor. The AI agent handles routine completions, chat explanations, and test generation. Where Tabnine loses ground: codebase context is shallow compared to Cursor's project indexing. The agentic multi-file editing is basic — useful for routine refactors but not for complex architectural changes. The free tier is limited to basic autocomplete, and the paid tier ($9/user/month) starts cheaper than Cursor but lacks the latter's model flexibility and agent depth. Tabnine is the pragmatic enterprise compliance choice; it won't wow a developer, but it also won't leak their codebase.

Strengths
  • Only tool in this set with full on-premises deployment option for enterprise
  • Broadest IDE coverage: VS Code, JetBrains, Eclipse, Visual Studio, Vim, Emacs, Neovim
  • Trained only on permissively licensed open-source code with contributor opt-out
  • Enterprise plan supports air-gapped environments (no external API calls)
  • Pro plan at $9/user/month is the cheapest paid option with AI features
  • Zero data retention policy for sensitive codebases
Weaknesses
  • Codebase context is shallow — no whole-repo reasoning or automatic indexing
  • Multi-file agentic editing is basic, not on par with Cursor or Claude Code
  • No model flexibility — uses Tabnine's own models only
  • Free tier is limited autocomplete without agentic features
  • Less actively developed — feature velocity lags behind Cursor, Copilot, Windsurf
  • No MCP/tool-use support for cross-system workflows
Best for: Regulated industries (finance, healthcare, government) with strict data-residency requirements; large enterprises that require on-premises deployment; compliance-first teams that cannot send code to external APIs.
Pricing: Free (basic autocomplete). Pro $9/user/month (AI agent, chat, advanced completions). Enterprise custom pricing (on-premises, air-gapped, SSO, admin controls).

Codeium

Best free unlimited AI code completion · 3.9/10

Codeium is the free, unlimited-code-completion layer that powers Windsurf's free tier. It's also available as a standalone extension for VS Code, JetBrains, Vim, and others. Completions are fast and surprisingly competent — context awareness is better than Copilot's free tier, with support for 70+ languages. The integrated chat (Cmd/Ctrl+I) handles explanations, snippet generation, and test scaffolding. Where Codeium differentiates from its paid Windsurf sibling: no agentic multi-file mode in the free extension; context window is smaller; no Cascade indexing. For individual developers who only want fast, reliable inline suggestions without paying, Codeium is the benchmark free tier. It respects privacy with an optional zero-data-retention mode. The trade-off is depth: no autonomous agent, no multi-file orchestrator, no project rules file. It's a productivity multiplier, not a pair programmer. Codeium is also the foundation for Windsurf — they share models and completions infrastructure, but Windsurf wraps them in a smarter agentic shell.

Strengths
  • Unlimited free autocomplete with no credit card required — genuinely capable
  • 70+ language support including niche and legacy languages
  • Context awareness is better than Copilot's free tier for medium-sized files
  • Available for VS Code, JetBrains, Vim, Neovim, Eclipse, Visual Studio
  • Zero-data-retention mode available for sensitive codebases
  • Low-latency inline suggestions that feel fast and responsive
Weaknesses
  • No agentic multi-file editing in the free extension — Windsurf adds this
  • Context window is smaller than Copilot, Cursor, or Claude Code
  • Chat quality and depth trails Copilot, Cursor, and Claude Code
  • No project-wide rules or persistent memory file
  • MCP/tool-use support not available in extension mode
  • Less active development community compared to Cursor and Copilot
Best for: Developers who only want fast inline autocomplete and won't pay; budget-constrained freelancers; learners who want zero-friction AI assistance without committing to a paid plan.
Pricing: Completely free for individual developers (unlimited completions). Codeium for Enterprise contacts sales (SSO, admin controls, policy enforcement). Windsurf Pro $15/month unlocks agentic mode on top of Codeium.

Feature Comparison Table

FeatureCursorClaude CodeCopilotWindsurfReplitAmazon QTabnineCodeium
Primary InterfaceAI-native IDECLI / DesktopIDE ExtensionAI-native IDECloud IDEIDE Ext + CLIIDE ExtensionIDE Extension
Agentic Multi-file✅ Full✅ Full✅ Basic✅ Full⚠️ Limited⚠️ Partial⚠️ Basic❌ None
Inline Autocomplete✅ Yes❌ No✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes✅ Yes
Whole-Repo Context✅ Full✅ 1M tokens⚠️ Partial✅ Cascade⚠️ Limited⚠️ Partial⚠️ Partial⚠️ Medium
Model Flexibility✅ Claude/GPT/Gemini❌ Claude only✅ Claude/GPT✅ Claude/GPT/Gemini✅ Pro models❌ AWS/Bedrock❌ Tabnine own❌ Own models
IDE Lock-in✅ Yes (Cursor)❌ None⚠️ VS Code pri✅ Yes (Windsurf)✅ Yes (Cloud)⚠️ VS Code pri❌ None❌ None
On-prem Deploy❌ No❌ No❌ No❌ No❌ No❌ No✅ Enterprise❌ No
MCP Support✅ Full✅ Full✅ Via Copilot+⚠️ Limited❌ No❌ No❌ No❌ No
Free Tier2K completions❌ None2K + 50 req25 creditsGenerousUnlimited basicBasic autocompleteUnlimited
Skill LevelIntermediate+ExperiencedBeginner+Beginner+All levelsIntermediateEnterpriseBeginner+

Pricing Comparison Table

ToolFree TierPro / IndividualTeam / EnterpriseBest For
Cursor2K completions, 50 agent req$20/mo (billed annually)$40/user/moProfessional full-stack devs
Claude Code❌ None$17–20/mo (token window)$150/user/mo (min 5)Terminal-native agentic work
GitHub Copilot2K completions + 50 req$10/mo$19–39/user/moBeginners, GitHub teams
Windsurf25 credits/mo$15/mo (annual)$30–60/user/moValue-focused AI IDE users
Replit Agent500 MB, basic agent$25/mo (Core)$40/user/mo (Teams)New devs, rapid prototyping
Amazon QUnlimited basic completions$19/user/moCustomAWS-native Java/TS teams
TabnineBasic autocomplete$9/user/moCustomPrivacy-first enterprises
CodeiumUnlimited completionsFree (extension)Custom (enterprise)Budget autocomplete-only users

Final Verdict

The AI coding tools market in 2026 is genuinely three-layered. At the top, Cursor and Claude Code lead for developers willing to invest in agentic depth: Cursor if you want that depth inside your IDE, Claude Code if you prefer terminal autonomy and the biggest context window. Below that, GitHub Copilot and Windsurf deliver the best balance of cost and capability — Copilot for its zero-learning-curve entry point and ws ecosystem dominance, Windsurf as the budget-priced AI IDE with the impressive Cascade auto-indexing trick. Replit Agent and Codeium occupy distinct lower-price-point positions: Replit for zero-setup cloud coding and beginners, Codeium for unlimited free autocomplete with no strings attached. Amazon Q Developer is a specialist tool genuinely useful only if you're deep in the AWS ecosystem — otherwise its model limitations and narrower agentic capabilities don't justify locking in.

For most developers, the practical answer is use both Cursor (or Windsurf for budget) and Claude Code as a terminal fallback — a two-tool stack that covers daily editing with deep agentic reasoning when you need it, for roughly $35–45/month combined. That combination handles more work than any single tool in this set.

Why This Matters

AI coding tools shifted from "clever autocomplete" to "autonomous multi-file editing" between mid-2025 and mid-2026. The practical consequence is that developers who adopted agentic AI in the past year are shipping meaningful features in hours, not days — and the productivity gap between AI-assisted teams and non-assisted teams is no longer marginal, it's structural.

For beginners and career-changers: the zero-setup tools (Replit Agent, Codeium free tier, Copilot free) have made 2026 the best year yet to start coding with AI scaffolding. The learning curve flattened dramatically.

For enterprises: the open-weight coding model moment (Poolside Laguna S 2.1 at $0.10/M, Qwen3-Coder-Next) means infrastructure cost is no longer a blocker to rolling out AI coding at scale — the decision now is tools and governance, not pricing. Agentic coding is shaping up as the first enterprise AI use case that generates measurable ROI without requiring data scientists to manage a separate pipeline.

What to Watch Next

  • Poolside S 3.0 expected Q4 2026 — if the open-weight coding model race continues, closed-API coding tools will face genuine price-pressure for the first time
  • GitHub Copilot Workspace GA expansion — if GitHub ships natural-language-to-repo as a full product, it challenges Cursor's main use case
  • Claude Code on-ship CLI — Anthropic shipping a standalone macOS app (already shipping) and Windows support signals a push beyond terminal-native power users
  • Cursor 2.0 rumoured — internal previews suggest deeper voice UI and real-time collaboration; if real, it extends Cursor's lead in IDE UX
  • EU AI Act Article 50 — provenance labeling requirements may force tool vendors to disclose when code is AI-generated, affecting workflow assumptions in regulated industries

Frequently Asked Questions

Which AI coding tool is best for beginners?

GitHub Copilot free tier is the most beginner-friendly: it works in VS Code without changes to your workflow, and the free 2,000 completions/month tier is sufficient for learning. Replit Agent is even easier for absolute beginners who want zero local setup. Once confident, graduate to Cursor (~$20/month) for richer agentic features.

Do I need to switch IDEs to use AI coding tools?

No. GitHub Copilot, Codeium, Tabnine, and Amazon Q all work as extensions for your existing editor (VS Code, JetBrains, Vim, etc.). Only Cursor and Windsurf require switching to their custom IDE forks. Claude Code requires a terminal — no IDE at all. Pick based on workflow, not switching cost.

Will AI coding tools replace developers?

Not in 2026. The most productive teams we observed use AI coding tools to accelerate specific tasks — scaffolding, boilerplate, tests, refactors — while retaining human judgement for architecture, security, and code review. Agentic AI removes drudgery, not the need for engineering skill.

Is Claude Code worth it over Cursor?

Yes, if you work in the terminal and handle large codebases (200+ files) where whole-repo reasoning matters. Claude Code's 1M-token context window and autonomous iterate-until-passing workflow is stronger for complex refactors. No, if you want inline suggestions while typing or prefer working inside an IDE.

What about privacy and code security?

Tabnine is the only option in this set with full on-premises/air-gapped enterprise deployment. All other tools process at least some context via cloud APIs. Opt for Tabnine Enterprise for regulated industries. For personal projects, all tools in this comparison have acceptable privacy policies, but review their training-data opt-out procedures before sharing proprietary codebases.

How much do AI coding tools actually cost in practice?

At the individual level: $0–20/month for most developers. Copilot ($10) or Cursor ($20) covers 90% of use cases. Claude Code ($17–100 depending on tier) adds meaningful agentic depth. For teams: $15–40/user/month depending on tool and admin features. The real cost risk is Claude Code's agentic token usage — runaway autonomous loops can exceed plan windows; Cap your budget or use Max plan.