A decision for a beginner, not a spec sheet. Scores are our weights. Prices are the public plans, and anything marked verify on the tool page should be re-checked before you pay.
Pick GitHub Copilot if you want an assistant inside VS Code, JetBrains, or GitHub.
Pick Lovable if you want a web app or SaaS you want to describe in the browser.
An IDE assistant at $10 a month, if you already live in GitHub.
Cheapest verified paid plan: Pro · $10/mo
A browser builder for web apps, with a hard monthly cap on the free plan.
Cheapest verified paid plan: Pro 100 · $25/mo
Web app or SaaS
Mobile app
Game
Website or landing page
Automation or script
No code
I can follow a change
I already develop
Last verified 2026-10-19
Individual
Free
VerifyA limited free tier. The plans FAQ still lists 2,000 completions and 50 chat requests. The billing docs say 2,000 completions a month plus an AI credit allowance whose size is not stated, with auto model selection only.
The free price is real. On 2026-10-19 the chat allowance and the credit allowance still disagree across GitHub's own pages, so this row stays verify.
Individual
$10/mo
Verified1,500 AI credits a month (1,000 base + 500 flex). Completions and next edit do not use credits. 1 credit = $0.01.
From GitHub's usage-based billing docs for individuals.
Individual
$39/mo
Verified7,000 AI credits a month (3,900 base + 3,100 flex). Completions stay unlimited.
Flex allotments can change. Base credits are tied to the subscription price.
Individual
$100/mo
Verified20,000 AI credits a month (10,000 base + 10,000 flex).
The individual plan for sustained agent work.
Last verified 2026-10-19
Individual
Free
Verified5 build credits per day, maximum 30 per calendar month. 20 Cloud credits, 4 AI credits, and 1 connector credit per month. No code edit, code download, or custom domain.
Daily credits resume on the 1st at 00:00 UTC after the monthly cap.
Individual
$25/mo
VerifiedAnnual is $250 ($21/mo), two months free versus monthly.
100 monthly credits, plus 5 build credits every day with no monthly cap. 20 Cloud credits, 4 AI credits, and 1 connector credit per month. Code edit, download, custom domain, badge removal. Top-ups are $15 per 50 credits.
The ladder runs from 100 to 10,000 credits. Higher rungs cost more. See the Pro tier table in Lovable's docs.
Individual
$50/mo
VerifiedAnnual is $500 ($42/mo).
200 monthly credits. Same Pro features as the $25 tier.
Monthly. Included credits do not roll over. Base credits are used before the flex allotment.
Wait for the monthly reset.
Daily build credits reset at 00:00 UTC and do not roll over. On Free they stop after 30 in a calendar month until the 1st. Paid monthly credits last two months from issue.
On Free, wait until the next UTC day, or until the 1st if you already used 30 build credits.
GitHub Copilot's cheapest paid plan the ranking counts is Pro at $10/mo. Lovable's cheapest paid plan the ranking counts is Pro 100 at $25/mo.
GitHub Copilot is for a developer who wants an assistant inside VS Code, JetBrains, or GitHub, staying near $10 a month, and web app and script work where you already have the repo open.
Lovable is for a web app or SaaS you want to describe in the browser, a marketing site when you also want a simple app behind it, and beginners who do not want to open an editor on day one.
GitHub Copilot scores 1 out of 5 for someone who does not want to read code. Lovable scores 5 out of 5. Lovable has the higher no-code score. Copilot assumes an editor. It is the wrong first tool if you do not want files. One of the few tools in this set that is honest about a no-code start.
GitHub Copilot: Free is real, with a tight cap. The plans FAQ still says 2,000 completions and 50 chats. A later billing post describes limited completions plus limited chat and agent usage. Confirm the live counter. Lovable: 5 build credits a day, capped at 30 per calendar month, plus 20 Cloud credits, 4 AI credits, and 1 connector credit. You cannot edit or download the code, or attach a custom domain, until Pro.