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GitHub Copilot Pro vs Pro+ in 2026: Is the $39 Plan Worth $29 More?

Copilot Pro is $10 and Pro+ is $39 a month. What the extra $29 buys in AI credits (1,500 vs 7,000), models and agents, and who should actually upgrade.

By Engineer Foodie Desk · updated ✓ Sources checked Nov 5, 2026

6 min read

Plans, credits and models checked Nov 5, 2026 on GitHub’s plans page, plans docs and supported models; billing discounts verified Nov 4, 2026. No affiliate links (how we work).

GitHub Copilot Pro vs Pro+: Pro is $10 a month for 1,500 AI credits, and Pro+ is $39 for 7,000. The extra $29 buys 5,500 more credits plus the top models Pro can’t touch: Claude Opus and Fable, Gemini 4 Argon, GPT-6 Astra and GPT-6 Sol. If you mostly autocomplete, stay on Pro, because completions don’t use credits at all. The full plan rundown — Free, Business and Standalone ($10 with no included allowance for users without a GitHub Enterprise Cloud license) — is in GitHub Copilot cost.

We haven’t tested either plan; everything here is from GitHub’s pages.

The short answer

  • Mostly completions and light chat: Pro ($10). “Code completions and next edit suggestions are not billed in AI credits and remain unlimited for all paid plans.”
  • Daily agent work, or you want Opus: Pro+ ($39). Opus and Fable are “Not included” on Pro.
  • You burn through 7,000 credits: look at Max ($100, 20,000 credits). Other tools: AI coding tools compared.

Pro vs Pro+ vs Max at a glance

Verified Nov 5, 2026 (Copilot plans, plans docs). More tools in AI coding tools compared.

ItemProPro+Max
Price$10/mo$39/mo$100/mo
Base credits1,0003,90010,000
Flex credits5003,10010,000
Total credits1,5007,00020,000
Extra creditsCan buyCan buyCan buy
CompletionsUnlimitedUnlimitedUnlimited
ModelsA selectionPremiumPriority premium

No annual price is published for Pro or Pro+, though the docs mention “annual Copilot Pro and Copilot Pro+ plans” in a footnote. History: Copilot price tracker.

What AI credits are and what spends them

One AI credit is $0.01. Chat, the CLI, the cloud agent, Spaces, Spark and third-party agents draw credits, more for bigger models and harder tasks. Two details:

  • Flex isn’t guaranteed. Base credits equal the price exactly ($10 buys 1,000; $39 buys 3,900). The flex on top is a bonus, and GitHub says “Flex allotments may change over time.”
  • No rollover. Credits reset “at 00:00:00 UTC on the first day of each calendar month” (5:30 AM IST on the 1st), whatever your billing date.

Run out and you can wait, set a dollar budget (“a $10 budget covers 1,000 credits”) or pick a cheaper model.

Flex is very The Prestige: “Are you watching closely?” The big number is on the card; only the base is promised.

Models: what Pro+ unlocks that Pro doesn’t

Per GitHub’s models table (Nov 5, 2026):

  • On Pro, Pro+ and Max: Claude Haiku 4.5 and 5.5, Sonnet 5 and 5.5, Gemini 3.8 Flash, GPT-5.3-Codex, GPT-5.6 Luna, GPT-5.6 Terra, GPT-6 Luna, GPT-6.1 Terra, Grok 4.5 to 4.7, Kimi K3 and MAI-Code-1.1-Flash.
  • Pro+ and Max only: Claude Opus 4.8 (plus a fast-mode preview), Opus 5, Opus 5.5, Fable 5 and Fable 5.1, Gemini 4 Argon, GPT-5.6 Sol, GPT-6 Astra, GPT-6 Sol and GPT-6.1 Sol. GPT-5.4 nano is in the Codex VS Code extension only (footnote says “Copilot Pro+ only”).
  • The annual quirk: retired Claude Sonnet 4.6 “remains available to individual Copilot subscribers on annual Copilot Pro and Copilot Pro+ plans”, not monthly ones.

Beyond models, Pro+ adds audit logs (Max too). As of Nov 5, 2026, the Copilot plans docs no longer list a Spark row in the plan tables; Spark still appears as a billed surface on the individual billing page (draws AI credits along with Chat, CLI, cloud agent, Spaces and third-party agents). Cloud agent, third-party agents, the CLI and the Copilot app are on all three, and “Model availability is subject to change.”

Cost per credit

Plain arithmetic on GitHub’s numbers:

  • Pro: $10 for 1,500, about 0.67 cents a credit
  • Pro+: $39 for 7,000, about 0.56 cents
  • Max: $100 for 20,000, so 0.5 cents

Count only base credits and all three are exactly 1 cent each; the discount is all flex. Dated discounts on the billing page (verified Nov 4, 2026): paid Copilot plans get a 30% discount on model costs when using Copilot Fusion through November 30, 2026, and a 10% discount on model costs while using auto model selection in Copilot Chat or Copilot cloud agent. The old Max-only 30% auto discount that ended October 28, 2026 is gone.

Pro+ vs Cursor Premium and Claude Pro

  • Cursor Premium ($30): new-customer plan (Cursor Pro and Pro+ are legacy; new buyers get Plus, Premium, Super or Ultra). Premium is 4x Plus usage on Cursor’s own models; Claude and other third-party models cost API list price from prepaid credit (cursor.com/help, verified Nov 2, 2026). See Cursor vs GitHub Copilot.
  • Claude Pro ($20, or $17 a month billed annually): includes Claude Code, with five-hour and weekly limits instead of metered credits (claude.com/pricing, verified Nov 1, 2026). See GitHub Copilot vs Claude Code.

Here’s what I’d do

  1. Completions-first: Pro. Completions are unlimited.
  2. You want Opus or Fable in your editor: Pro+ is the cheapest plan with them. Opus 5.5 bills $4 per 1M input and $20 per 1M output tokens in credits (verified Oct 20, 2026), so watch the meter.
  3. On Pro and running dry: if you’d spend more than $29 a month on extra credits, upgrade.
  4. Heavy agent use: price Max against GitHub Copilot alternatives. New to Copilot? Start with GitHub Copilot Free.

Going beyond Pro+? GitHub Copilot Max vs Claude Max compares Copilot’s top plan with Claude Max.

These are the individual plans. For company seats, see Copilot Business vs Enterprise.

If your company may pay instead, see GitHub Copilot Pro vs Business.

For how each plan’s premium requests are counted and reset, see GitHub Copilot premium requests.

Upgrading because of a rate-limit message? Check the Copilot rate-limit error first: GitHub doesn’t say a higher plan raises the rate limit.

Weighing Pro+ against Anthropic instead? Copilot Pro+ vs Claude Pro compares price, limits and Claude Code access.

FAQ

What’s the difference between Copilot Pro and Pro+? Pro is $10 for 1,500 AI credits a month, and Pro+ is $39 for 7,000 credits plus premium models like Claude Opus and audit logs.

Is Copilot Pro+ worth it? Yes if you want Opus, Fable, GPT-6 Astra or GPT-6 Sol, or you’d spend more than $29 a month on extra credits; no if you mostly use completions.

Which models does Pro+ get? Everything on Pro plus Claude Opus and Fable, Gemini 4 Argon, GPT-5.6 Sol, GPT-6 Astra, GPT-6 Sol and GPT-6.1 Sol.

Do unused AI credits roll over? No, included credits reset at 00:00 UTC on the 1st of each month (5:30 AM IST) and don’t carry over.

Copilot Pro+ vs Max? Max is $100 for 20,000 credits and “priority access to premium models”; as of Nov 5, 2026 the plans docs no longer show a Spark row for any individual plan.

Sources

  1. GitHub Copilot plans (prices, credits, limit options): https://github.com/features/copilot/plans (verified 2026-11-05)
  2. GitHub Copilot plans docs (credits, agents, audit logs; no Spark row): https://docs.github.com/en/copilot/get-started/plans (verified 2026-11-05)
  3. Supported AI models (per plan): https://docs.github.com/en/copilot/reference/ai-models/supported-models (verified 2026-11-05)
  4. Copilot billing for individuals (reset, Fusion 30% through Nov 30 2026, 10% auto): https://docs.github.com/en/copilot/concepts/billing-and-usage/individuals/billing (verified 2026-11-04)
  5. Copilot models and pricing: https://docs.github.com/en/copilot/reference/copilot-billing/models-and-pricing (verified 2026-10-31)
  6. Cursor pricing help (Premium; Pro/Pro+ legacy): https://cursor.com/help/account-and-billing/pricing (verified 2026-11-02)
  7. Claude pricing (Pro, Claude Code): https://claude.com/pricing (verified 2026-11-01)

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