Quick Verdict
Cursor Teams and Windsurf Teams are the leading team-tier subscriptions for engineering organizations adopting AI coding assistants. Cursor Teams bills per-active-user at $40/month (or $32/month annually) with $20 of included API usage per seat. Windsurf Teams bills per-user at $30/month with 500 prompt credits per user. Windsurf Teams is cheaper on a per-seat basis. Cursor Teams offers more comprehensive admin features with shared chats, team-wide spend controls, and SAML/OIDC SSO included.
Pricing
- Cursor Teams: $40/user/month or $32/user/month billed annually. Per-active-user billing — inactive seats don’t count toward the monthly bill.
- Windsurf Teams: $30/user/month (monthly only). SSO is an optional add-on at $10/user/month.
At 10 seats on annual billing: Cursor Teams costs $320/month; Windsurf Teams costs $300/month (or $400/month with SSO add-on). The per-active-user model in Cursor Teams can lower effective costs for teams where not all seats are active every month.
Model Access
- Cursor Teams provides access to the full frontier-model catalog: OpenAI, Claude, Gemini, and xAI models — the same model set as Cursor Pro, delivered with team governance. Max Mode supports up to 1M token context windows.
- Windsurf Teams provides SWE-1.5, SWE-1, and SWE-1-mini model access plus premium third-party models (Claude and GPT families). No BYOK option is listed for the Teams tier.
Cursor Teams delivers broader model choice within a team workspace. Windsurf Teams centers on the SWE-1.5 model family with third-party model access as a supplement.
Usage Limits
- Cursor Teams: Each active seat includes $20/month of API usage. On-demand usage is enabled by default with team-wide and per-seat spend limits configurable by admins.
- Windsurf Teams: 500 prompt credits per user per month. Team-level add-on packs available at $40 per 1,000 credits. Per-user monthly reset.
Cursor Teams’ dollar-based usage with spend controls is well-suited for engineering managers who want to monitor and cap per-developer AI spend. Windsurf Teams’ credit model is simpler for teams that prefer a flat usage budget per person.
Who Should Choose Each
Choose Cursor Teams if you:
- Need SAML/OIDC SSO included without an add-on fee
- Want per-active-user billing to avoid paying for inactive seats
- Need shared chats, commands, and rules across the team
- Require usage analytics and granular spend controls per developer
- Want access to the widest model selection (GPT, Claude, Gemini, xAI)
Choose Windsurf Teams if you:
- Have a cost-sensitive team and want the lower per-seat baseline ($30 vs $40/month)
- Prefer a credit-based usage model (500 credits/user/month) over open-ended on-demand
- Are evaluating Windsurf’s SWE-1.5 engineering-specific model family at the team tier
- Don’t need SSO (avoiding the $10/user/month add-on cost)
Both plans include centralized billing and admin dashboards. Cursor Teams includes more admin tooling by default. Windsurf Teams offers a lower entry price for smaller budgets. Compare non-IDE team options in Claude Team vs ChatGPT Team, or see the full team ranking at best AI plans for teams.