Refact.ai vs Tabby (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
Refact.ai
From $10/mo against from $19/mo
Free plan
Tie
Both have one
Higher rating
Tie
4.3 against 4.3
Same job?
Yes
Both are Coding tools

Side by side

Compared on	Refact.ai	Tabby
Our rating	4.3	4.3
Starts at	$10/moBetter	$19/mo
Free plan	Yes	Yes
Category	Coding	Coding
Plans	From $10/mo	From $19/mo
Key features	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	Open-source, self-hostable code completion Focused specifically on inline autocomplete, not broader chat or agents No code sent to external APIs when self-hosted Free tier for standard cloud use Lightweight, narrowly scoped design
Pros	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	Genuine self-hosting keeps code entirely off external servers Open source allows inspection and customization Narrow focus keeps the tool fast and simple to run
Cons	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	Scoped to completion only, not chat, agents, or code review Self-hosting requires running and maintaining your own infrastructure Completion quality depends on which self-hosted model is chosen
Company	Small Magellanic Cloud Ai Ltd., founded 2021	TabbyML, Inc., founded 2023

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

FAQ

Questions people ask

Is Refact.ai better than Tabby?

In our reviews Refact.ai scores 4.3 and Tabby scores 4.3. The better pick depends on the job. Refact.ai: Self-hostable end to end, so code never has to leave your network. Tabby: An open-source, self-hostable alternative to Copilot's autocomplete.

Which is cheaper, Refact.ai or Tabby?

Refact.ai has the lower starting price: from $10/mo for Refact.ai and from $19/mo for Tabby.

Do Refact.ai and Tabby have free plans?

Yes, both have a free plan.

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