Refact.ai

Local-first agentic coding engine with a free tier and self-hosting

Free (5,000 coins/mo) · Pro $10/mo · Enterprise self-hosted (quote) self-hostedlocal-firstopen-source

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7.3 /10 Expert Score

Features

Pricing

Ecosystem

Performance

About

Refact.ai is an open-source, local-first agentic coding engine rather than a thin IDE plugin: a single refact binary runs a resident daemon, a terminal UI, an in-browser GUI and per-project workers, while the React GUI and the VS Code and JetBrains plugins act as thin clients of that daemon. That architecture is why it can be run fully self-hosted or on-premises and still behave like a normal assistant in your editor. Its feature set covers the agentic checklist — agent modes with rollback, subagents, worktrees, MCP, skills and commands, memory and knowledge, context compression, AST-aware analysis and a vector database for retrieval, plus browser automation. Because it is local-first and supports bring-your-own-key, teams can keep code inside their own infrastructure while still pointing the engine at a hosted model if they choose. On price, the free plan includes 5,000 coins per month with unlimited code completions and BYOK support, which makes it a genuine free tier rather than a trial. Pro is $10 per month — noticeably below the $20/month that most assistants charge — and Enterprise is quote-only with on-premises deployment and fine-tuning on your own codebase. The gaps worth knowing: the pricing page currently returns a 404, so figures here come from the official docs and third-party price trackers and should be re-checked before you buy; the community is much smaller than Copilot's; and self-hosting requires real operational effort. If your priority is privacy and cost control rather than the largest plugin marketplace, Refact is one of the stronger open options alongside Continue.dev and Aider.

Key Features

Single binary daemon with TUI, browser GUI and IDE clients
Agent modes with rollback and subagents
AST-aware analysis and vector retrieval over your codebase
MCP, skills and commands support
Bring-your-own-key with local-first privacy
Self-hosted deployment and fine-tuning on your own code

Deals, Discounts & How to Save

Free plan: 5,000 coins/month with unlimited completions and bring-your-own-keyPro at $10/mo is half the price of most mainstream assistantsSelf-host with your own keys to avoid per-seat AI margins entirely

Refact's economics are simple: the free plan gives 5,000 coins a month with unlimited completions, Pro is only $10/month, and self-hosting with your own API keys removes vendor margins entirely — you pay the model provider instead. The cheapest configuration for a privacy-conscious team is self-hosted Refact plus a local or discounted model endpoint.