I've used Cursor for 6 months. Written 50K+ lines of code with it. Built SimpleDirect Desk in 3 weeks instead of 3 months.
Cost: $20/month. Value: Replaced what would've been a $120K/year senior dev.
Not hyperbole. Here's exactly how I use it, what it can't do, and who should skip it entirely.
What It Actually Does (Not the Marketing Copy)
Cursor is an AI-first code editor. Think VS Code, but the AI understands your entire codebase and writes code like a senior developer who's been on your team for years.
Core Features I Actually Use:
- Codebase-wide AI assistant: Ask questions about any part of your code
- Context-aware code generation: Writes functions based on existing patterns
- Intelligent autocomplete: Predicts entire code blocks, not just variables
- AI-powered debugging: Explains errors and suggests fixes
- Code refactoring: Rewrites sections for better performance/readability
What Makes It Different from GitHub Copilot:
- Understands your entire project context (not just current file)
- Can reference documentation and patterns across files
- Asks clarifying questions when requests are ambiguous
- Suggests architectural improvements, not just code completion
Honest Limitations:
- Doesn't understand business logic (you still need to know what to build)
- Occasionally suggests outdated patterns
- Can't replace product/design decisions
- Requires code review (AI makes subtle mistakes)
- Works best with well-structured codebases
How I Use It: Real Workflows
Workflow 1: Building New Features (SimpleDirect Desk Example)
The Task: Add automated credit scoring to SimpleDirect Desk
- Integrate with 3 credit APIs
- Handle API failures gracefully
- Cache results for 24 hours
- Add admin dashboard view
Traditional Approach (Estimated):
- Research APIs: 4 hours
- Write integration code: 16 hours
- Error handling: 8 hours
- Caching implementation: 6 hours
- Admin dashboard: 12 hours
- Total: 46 hours (6 days)
With Cursor (Actual):
- Research APIs: 2 hours (Cursor explained API docs)
- Write integration code: 4 hours (Cursor wrote boilerplate)
- Error handling: 2 hours (Cursor suggested patterns)
- Caching implementation: 1 hour (Cursor wrote Redis logic)
- Admin dashboard: 3 hours (Cursor built React components)
- Total: 12 hours (1.5 days)
Time Saved: 34 hours (74% reduction)
Workflow 2: Debugging Complex Issues
Real Example: SimpleDirect Core had a race condition causing duplicate loan applications.
My Process:
- Describe the problem to Cursor: "Users sometimes create duplicate loan applications when they click submit twice quickly"
- Cursor's analysis: Identified potential race conditions in 3 files, suggested adding request deduplication
- Implementation: Cursor wrote the deduplication middleware in 10 minutes
- Testing: Cursor generated test cases for the race condition
Traditional Debugging:
- Would've taken 4-6 hours of console logging and head-scratching
- Might not have found the root cause immediately
With Cursor:
- 30 minutes from problem description to tested fix
- Time Saved: 5+ hours
Workflow 3: Code Refactoring
The Challenge: SimpleDirect's authentication system was spread across 8 files with lots of duplication.
Cursor's Approach:
- Analyzed the codebase: "Can you identify authentication-related code duplication?"
- Suggested refactoring plan: Proposed a centralized auth service
- Generated implementation: Wrote the new auth service with proper typing
- Updated all references: Modified 8 files to use the new service
- Added tests: Generated comprehensive test suite
Time Investment:
- Traditional refactoring: 2-3 days (risky, error-prone)
- With Cursor: 4 hours (systematic, tested)
Result: 40% reduction in auth-related code, better maintainability, fewer bugs.
Workflow 4: Learning New Technologies
Scenario: Needed to integrate WebRTC for SimpleDirect's video verification feature.
Traditional Learning Curve:
- Read documentation: 4 hours
- Follow tutorials: 6 hours
- Debug setup issues: 8 hours
- Build working prototype: 12 hours
- Total: 30 hours
With Cursor:
- "Explain WebRTC in the context of React applications"
- "Write a video chat component using WebRTC"
- "Add screen sharing to this component"
- "Handle connection failures gracefully"
- Total: 6 hours
The Difference: Cursor explained concepts while building, not separately.
he ROI Calculation (My Numbers)
Investment
Cost:
- Cursor Pro: $20/month ($240/year)
- Learning curve: ~5 hours (reading docs, setting up)
- Migration from VS Code: ~2 hours
- Total first year: $254
Return
Value Created (6 Months):
SimpleDirect Desk Development:
- Built in 3 weeks vs estimated 3 months
- Time saved: ~280 hours
- At my billing rate ($200/hour): $56K value
SimpleDirect Core Improvements:
- Authentication refactor: 20 hours → 4 hours (16 hours saved)
- API integration features: 40 hours → 12 hours (28 hours saved)
- Bug fixes and debugging: ~50 hours saved over 6 months
- Total time saved: 94 hours = $18.8K value
ANC Platform Features:
- Built admin dashboard: 30 hours → 8 hours (22 hours saved)
- Payment processing integration: 16 hours → 4 hours (12 hours saved)
- Total time saved: 34 hours = $6.8K value
Total 6-Month Value: $81.6K 6-Month Investment: $127 ROI: 642x
The Productivity Multiplier
Code Output Analysis:
- Pre-Cursor: ~200 lines of quality code per day
- With Cursor: ~800 lines of quality code per day
- Multiplier: 4x raw output
But It's Not Just Volume:
- Higher code quality (Cursor suggests best practices)
- Fewer bugs (AI catches common mistakes)
- Better architecture (AI suggests improvements)
- Faster learning (AI explains as it builds)
The Real Win: I can now build ideas at the speed of thought.
Cursor vs GitHub Copilot: Head-to-Head
I used GitHub Copilot for 18 months before switching to Cursor. Here's the honest comparison:
Code Completion Quality
GitHub Copilot:
- Good at line-by-line suggestions
- Limited to current file context
- Sometimes suggests outdated patterns
- Rating: 7/10
Cursor:
- Understands entire codebase context
- Suggests architectural improvements
- Learns from your coding style
- Rating: 9/10
Winner: Cursor (by a lot)
Learning Curve
GitHub Copilot:
- Works immediately (tab to accept)
- No configuration needed
- Learning time: 30 minutes
Cursor:
- Need to learn chat interface
- Setting up codebase context
- Learning time: 3-4 hours
Winner: GitHub Copilot
If you're finding this useful, I send essays like this 2-3x per week.
·No spam
Context Awareness
Real Test: "Add validation to the user signup form"
GitHub Copilot Response:
javascript
// Generic validation
if (!email) return "Email required";
if (!password) return "Password required";Cursor Response:
javascript
// Understood our existing validation patterns
import { validateEmail, validatePassword } from '../utils/validation';
import { showToast } from '../components/Toast';
const validateSignup = (userData) => {
const emailValidation = validateEmail(userData.email);
if (!emailValidation.isValid) {
showToast(emailValidation.message, 'error');
return false;
}
const passwordValidation = validatePassword(userData.password);
if (!passwordValidation.isValid) {
showToast(passwordValidation.message, 'error');
return false;
}
return true;
};Winner: Cursor (understands existing patterns)
Cost Comparison
GitHub Copilot:
- Individual: $10/month
- Business: $19/month per user
Cursor:
- Free tier: Limited usage
- Pro: $20/month
- Business: $40/month per user
Value per Dollar:
- Copilot: Good autocomplete for $10
- Cursor: AI pair programmer for $20
Winner: Cursor (2x better for 2x price = same value, but Cursor's ceiling is higher)
When to Choose Each
Choose GitHub Copilot if:
- You're happy with VS Code
- You want simple autocomplete
- You're just getting started with AI coding
- Budget is tight
Choose Cursor if:
- You want AI to understand your entire project
- You build complex features regularly
- You're willing to learn new workflows
- $20/month isn't a constraint
When to Use It (And When to Skip It)
✅ Use Cursor If:
You write code regularly (5+ hours/week)
- ROI calculation works out
- Learning curve worth the investment
You know what you want to build
- Cursor accelerates implementation
- Doesn't help with product decisions
You're willing to review AI suggestions critically
- AI makes subtle mistakes
- Need to catch architectural issues
You want to learn while building
- Cursor explains as it codes
- Great for picking up new technologies
You build full applications (not just scripts)
- Codebase context is valuable
- Architectural suggestions matter
❌ Skip Cursor If:
You're not technical
- Won't help you learn programming from scratch
- Need to understand code before AI can help
You don't know what to build
- Cursor won't make product decisions
- Can't replace business/design thinking
You write <5 hours of code per month
- Not worth the learning curve
- $20/month too expensive for occasional use
You're in a highly regulated industry
- Need to review every line carefully
- Compliance requirements may conflict
You're happy with simple autocomplete
- GitHub Copilot might be sufficient
- Don't need advanced features
Advanced Tips (After 6 Months)
Configuration That Matters
Essential Settings:
- Enable codebase indexing (performance hit but worth it)
- Set up custom instructions for your coding style
- Configure keyboard shortcuts for chat
- Enable auto-save (AI works better with saved context)
Custom Instructions I Use:
- Follow our existing TypeScript patterns
- Use our error handling utilities
- Prefer functional components in React
- Add JSDoc comments for complex functions
- Import from our design system componentsPrompt Engineering for Code
Bad Prompt: "Make this better" Good Prompt: "Refactor this function to use async/await instead of promises and add error handling for API failures"
Bad Prompt: "Add authentication" Good Prompt: "Add JWT authentication to this Express route using our existing auth middleware from middleware/auth.js"
Integration with Existing Workflow
My Current Stack:
- Cursor (main editor)
- GitHub (version control)
- Linear (issue tracking)
- Figma (design handoff)
Workflow:
- Pick up Linear task
- Ask Cursor to analyze requirements
- Get implementation plan from AI
- Build with AI assistance
- Review and test
- Ship to production
The Verdict: Keep or Kill
Keep. Cursor is the best $20/month I spend.
Why:
- 4x productivity increase (measured)
- Better code quality (AI catches mistakes)
- Faster learning (explains while building)
- Architectural improvements (suggests better patterns)
Alternative Options:
- GitHub Copilot: Good starter option ($10/month)
- CodeWhisperer: Free but limited
- Tabnine: Privacy-focused alternative
- Stay with VS Code: If budget is tight
My Recommendation: If you're a technical founder building products, Cursor is a no-brainer. $20/month for 4x productivity is the best deal in tech right now.
If you're non-technical, learn to code first. Then use Cursor to accelerate.
The Bottom Line: Cursor doesn't replace coding skill. It amplifies it. If you can code, Cursor makes you a 10x developer. If you can't code, Cursor won't help.
But if you're building products and writing code regularly, this tool will change how you work.
Get Cursor Pro: cursor.sh (use my referral link if this review helped)

