Continue vs Refact.ai (2026): Pricing, Features & Which to Choose

Who comes out ahead

Based only on the facts in our directory. The right pick still depends on the job you need done.

Lower starting price
Continue
From $3/mo against from $10/mo
Free plan
Tie
Both have one
Higher rating
Continue
4.4 against 4.3
Same job?
Yes
Both are Coding tools

Side by side

Compared on	Continue	Refact.ai
Our rating	4.4Better	4.3
Starts at	$3/moBetter	$10/mo
Free plan	Yes	Yes
Category	Coding	Coding
Plans	From $3/mo	From $10/mo
Key features	Fully configurable model, context, and command setup Works with hosted or locally run models Custom context providers and slash commands Open source and free VS Code and JetBrains IDE support	Full self-hosting including the underlying model, not just the client Standard IDE code completion and chat Built for strict data-residency and security requirements Free tier for standard cloud use Self-hosted enterprise deployment available
Pros	Deep configurability suits developers who want full control over their setup Works with local models for privacy or cost reasons Open source with an active contributor community	Genuinely complete self-hosting, including the model itself Addresses strict security requirements other 'self-hosted' tools don't fully meet Free tier available for standard cloud use
Cons	Configuration flexibility means more setup time than an opinionated out-of-the-box tool Quality depends heavily on which model a user chooses to connect Less polished default experience than tools with one curated model	Self-hosting the full stack requires real infrastructure investment Self-hosted model quality may trail the largest cloud-hosted proprietary models Enterprise self-hosted pricing isn't published upfront
Company	Continue Dev, Inc., founded 2023	Small Magellanic Cloud Ai Ltd., founded 2021

Prices come from each vendor's pricing page, last checked 20260629. Check the vendor before you buy.

FAQ

Questions people ask

Is Continue better than Refact.ai?

In our reviews Continue scores 4.4 and Refact.ai scores 4.3. The better pick depends on the job. Continue: Open source and built to be configured exactly how you want it. Refact.ai: Self-hostable end to end, so code never has to leave your network.

Which is cheaper, Continue or Refact.ai?

Continue has the lower starting price: from $3/mo for Continue and from $10/mo for Refact.ai.

Do Continue and Refact.ai have free plans?

Yes, both have a free plan.

More comparisons

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Refact.ai compared with

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