Phase 1: audit your Copilot usage to right-size the Cursor plan
Before you install anything, go to github.com/settings/billing/copilot/usage and pull the last 30 days of premium-request data. The Copilot usage dashboard breaks down inline completions (which were unlimited and won't tell you anything useful) and premium model requests (which translate directly to Cursor's fast-pool consumption).
**The decision rule:** Cursor Pro's fast pool is ~500 premium requests/month. Cursor Business is the same per-seat pool plus admin features. If your last-30-days premium-request count is under 400, you fit Cursor Pro with margin. 400-800: you're borderline and may hit slow-pool latency in week 4. Over 800: you need a strategy — either accept slow-pool throttling, run the $30 stack with Copilot Pro as overflow, or upgrade to Cursor Business and budget for occasional throttling on heavy weeks.
**What to capture from the dashboard:** total premium requests last 30 days, breakdown by model (Claude Opus, GPT-5, GPT-5-pro), daily distribution (steady vs spiky). Spiky users — most requests bursting on 2-3 days/week during refactor sprints — get hit harder by slow-pool throttling because their burst overshoots the daily-rate-fair allocation.
**Don't skip this even if you're moving for non-cost reasons.** Right-sizing is the difference between 'Cursor is fantastic' (under quota, fast pool, ~3-second response times) and 'Cursor is mid' (slow pool, 30-90 second response times, model downgrade on heavy days). Plan size determines actual user experience.
**Quick mental model:** if you were on Copilot Pro+ ($39/mo) at full credit utilization, you have ~580-1,750 premium requests/month. The high end of that range puts you over Cursor Pro's fast pool — either step up to Cursor Business or plan to feel the throttle. If you were on Copilot Pro ($10) and only sometimes hit overage, Cursor Pro is your match.
Want a sibling-tool sanity check on the cost side? See the Cursor vs Copilot price calculator for plan-by-plan dollar math.