kitio.aiZed vs Refact.ai
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Zed starts at $10/mo and Refact.ai starts at See pricing page. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Agent panel
- Edit predictions
- External agents via ACP
- Real-time collaboration
- Bring your own key
- Autonomous coding agent
- In-IDE chat
- Autocompletion
- On-premise deployment
- Model choice
- Fine-tuning on your code
| Feature | Zed | Refact.ai |
|---|---|---|
| Best for | Fast Rust code editor with built-in AI agents and edit predictions | Open-source autonomous coding agent for your IDE, self-hostable |
| Category | Coding | Coding |
| Pricing model | Freemium | Freemium |
| Starting price | $10/mo | See pricing page |
| Free plan | Yes | Yes |
| Made by | Zed Industries | Refact.ai |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Zed starts at $10/mo and Refact.ai starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Personal
Free
- Free forever
- Use your own API keys or external agents
Pro
$10/mo
- Unlimited edit predictions
- $5 of tokens included
- Usage billing beyond $5
- 14-day free trial
Business
$30/mo
- Per seat
- Org-wide AI model policies
- Data governance controls
- Role-based access controls
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Zed
- Very fast and light on memory
- Works with your own keys or local models
- Open-source editor core
- Smaller extension ecosystem than VS Code
- Hosted model usage is billed on top
Refact.ai
- Open source and self-hostable
- Choice of underlying models
- Keeps code on your own infrastructure
- Hosted Refact Cloud is being shut down
- Self-hosting needs your own setup
- Enterprise pricing is not published
Which one should you choose?
Choose Zed if you want:
- Very fast and light on memory
- Works with your own keys or local models
- Open-source editor core
Watch out: smaller extension ecosystem than vs code.
Choose Refact.ai if you want:
- Open source and self-hostable
- Choice of underlying models
- Keeps code on your own infrastructure
Watch out: hosted refact cloud is being shut down.
Zed vs Refact.ai FAQ
What is the difference between Zed and Refact.ai?
Zed: Fast Rust code editor with built-in AI agents and edit predictions. Refact.ai: Open-source autonomous coding agent for your IDE, self-hostable. Both are coding tools.
Is Zed or Refact.ai cheaper?
Zed starts at $10/mo and Refact.ai starts at See pricing page. Check both pricing pages for current plans.
Do Zed and Refact.ai have free plans?
Zed: Yes. Refact.ai: Yes.
Who makes Zed?
Zed is made by Zed Industries, based in United States.
Who makes Refact.ai?
Refact.ai is made by Refact.ai.
Which should I choose, Zed or Refact.ai?
Choose Zed if you value very fast and light on memory and works with your own keys or local models. Choose Refact.ai if you value open source and self-hostable and choice of underlying models.