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Refact.ai vs Windsurf Plugins: catalog facts
Refact.ai	Windsurf Plugins
Freemium The open-source version is free to self-host; enterprise solutions are arranged through…	Freemium Free with paid plans through the Windsurf product line.
Self-hosted	Windows, macOS, Linux
Open source and deployable on-premise Choice of language models per task	Covers a wide range of editors beyond just one flagship IDE Useful for developers who want AI assistance without switching editors
Refact Cloud hosted service is shutting down Self-hosting requires your own server and model setup	Plugin line is in maintenance mode rather than active development JetBrains remote-development plugin is no longer maintained
Downloadable app, Self-hosted	Downloadable app
Open source	Closed source
License not stated	License not stated
Not stated if an account is needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 26, 2026	Official website Full listing and sources Checked September 22, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.