Usage Based Pricing
Refact.ai uses a usage-based pricing system with coins. This page explains how coins work, how much you will be charged for different actions, and how to estimate your costs for each available model.
How Coins Work
- Coins are the unit of usage in Refact.ai.
- $1 = 1,000 coins.
- You are only charged for the actual work performed by the AI Agent: simple tasks use fewer coins, complex ones use more.
- You choose the AI model for each task, and can stop tasks at any time to save coins.
- Autocompletion is unlimited and free for all users.
Pricing Table (per 1M tokens)
| Model | Input Tokens | Output Tokens | Cache Read | Cache Write |
|---|---|---|---|---|
| GPT-4o | $2.50 | $10.00 | $1.25 | - |
| GPT-4o-mini | $0.15 | $0.60 | $0.075 | - |
| GPT-4.1 | $2.00 | $8.00 | $0.50 | - |
| Claude 3.7 Sonnet | $3.00 | $15.00 | $0.30 | $3.75 |
| Claude 3.5 Sonnet | $3.00 | $15.00 | $0.30 | $3.75 |
| o3-mini | $1.10 | $4.40 | $0.55 | - |
Note: 1,000 coins = $1. For example, generating 10,000 output tokens with GPT-4o would cost 10,000 coins (or $10).
Note: 1,000 coins = $1. For example, generating 10,000 output tokens with GPT-4o would cost 150 coins ($0.15).
Plans and Coin Grants
| Plan | Monthly Coins | Details |
|---|---|---|
| Free | 5,000 | Complimentary $5 (5,000-coin) starter grant to explore the full capabilities of Refact.ai Agent. |
| Pro | 10,000+ | $10/month = 10,000 coins. Pro users can increase their monthly limits by 2×, 3×, 4×, or 5× (e.g., $20 = 20,000 coins; $30 = 30,000 coins, etc.). You will receive exactly 2, 3, 4, or 5 times the coins for the corresponding plan multiplier. Unused coins roll over to the next month. One-time top-ups are available from $5. |
What’s Included in Each Plan
| FREE | PRO |
|---|---|
| $0 / month | $10 / month |
| 5,000 coins to use AI Agent & Chat | 10,000 coins renewed every month; unused coins roll over |
| In-IDE chat aware of your codebase context | Top up from $5 in your account ($1 = 1,000 coins) |
| Claude 3.7, GPT 4.1, 4o, Gemini 2.5 pro, and more | Subscribe to a 2x-5x Pro plan to top up automatically |
| Unlimited fast auto-completion | |
| Codebase-aware vector database (RAG) | |
| Self-hosting option available | |
| Discord support |
Configure Providers (BYOK)
Refact.ai allows you to connect your own API keys for OpenAI, Anthropic, DeepSeek, and other providers using the Configure Providers feature (also known as BYOK – Bring Your Own Key). This gives you full control over which models you use and how you are billed.
No commission: For now, Refact.ai does not take any commission or markup on API usage. You pay only for the actual API cost of the model you use.
For a step-by-step guide on setting up and using this feature, see the Configure Providers (BYOK) documentation.