I use $20 plan on daily basis for more than a year now, and have yet to exhaust that limit. The plan includes $20 in api costs for non-Cursor premium models and $20 for Composer and Auto models provided by Cursor themselves.

That said, I am pretty old-fashioned coder and use LLM mostly to overcome the blank page problem, which means I review and often rewrite LLM output by hand and avoid prompt loops for a single task.

People who are aiming to not read code any more might find this $20 plan lacking for their needs, however for my needs it fits perfectly.