GitHub Copilot Review 2026: Four Tiers, 1M Context, and the New Credits Math
Copilot's pricing flipped to AI credits on June 1, 2026. Here is what each tier actually buys, when the 1M context window is worth the credits, and where it still loses to Cursor.
- ✓ 1M-token context window across VS Code, Copilot CLI, and the Copilot app handles whole-repo work without trimming context
- ✓ Code completions and next edit suggestions stay unlimited on every paid plan and never draw down credits
- ✕ Pro's 1,500-credit budget runs dry fast once you turn on 1M context or higher reasoning on every session
- ✕ Agent mode still trails Cursor Composer on multi-file refactors by a clear margin
For a team that already runs on a GitHub org with compliance needs, Copilot is still the control-plane buy: the PR automation and audit logs live inside GitHub's permission model, and Pro+ at $39/mo with audit logs is the right seat. For a solo developer who runs agents and 1M context all day, Pro's 1,500-credit budget is too tight to be the working tier, so the choice is Pro+/Max or a switch to Cursor, whose flat usage covers a full agent day and whose Composer still edges Copilot on multi-file refactors.