Cursor's subscription has a per-developer quota. Once you exceed it, the team flips on BYOK and starts billing OpenAI / Anthropic directly. No more per-developer breakdown — anywhere. TrackCost is the missing layer.
No credit card · Works with Cursor's built-in BYOK · Doesn't replace your Cursor subscription
#engineering · The thread you've had
CFO: Why is OpenAI charging us $4,200 this month? We're not even shipping anything new.
You: Cursor BYOK kicked in for the team last week — they hit their quota.
CFO: OK but which developers? Which feature drove it?
<OpenAI dashboard: "Total spend: $4,217.83">
You: The dashboard just shows the org total — no per-user split.
CFO: So we just trust people are being responsible?
You: [mute]
When Cursor BYOK is on, OpenAI sees one giant API key and bills you for it. TrackCost gives each developer their own key, then rolls up to per-team / per-project totals. Same bill. New visibility.
Same Cursor traffic. Sliced by the dimensions you actually need.
Sarah: $342 · Marcus: $2,104 · Ali: $98
Marcus runs Cursor agent on overnight refactors. Now you can see which sessions delivered value vs which spun.
payments-rewrite: $1,420 (38%)
Tag each developer's key by current sprint or repo. Roll up costs by feature when justifying the AI line item.
Tab + chat + agent: $58 in 4hrs
Tab autocomplete is cheap. Agent runs aren't. Set per-key budgets that actually block at threshold.
Cursor lets you point at a custom OpenAI-compatible base URL. Point at TrackCost. We pass everything to OpenAI/Anthropic, you keep your Cursor subscription.
Step 01 — Sign up & add your provider key
Create your TrackCost account (free) → Providers page → paste your existing OpenAI / Anthropic key. Encrypted at rest with AES-256.
Step 02 — Configure Cursor BYOK per developer
In each developer's Cursor:
Cursor → Settings (⌘,) → Cursor Settings → Models
OpenAI API Key: acl_xxxxxxxxxxx (their TrackCost key)
Override OpenAI Base URL: https://api.trackcost.ai/api/v1
[✓] Use custom base URLGive each developer their own TrackCost key (named after them). That's how the per-developer breakdown lights up.
Step 03 — Use Cursor normally
Tab, chat, composer, agent — all flow through TrackCost in real time. Open your dashboard → see per-dev / per-session / per-day spend.
Doesn't change Cursor's included quota — that still resets monthly with your $20/$40 subscription. We sit between Cursor's BYOK overflow and your provider.
Drag the sliders. Numbers update live.
Estimated monthly bill
$1,100
On top of Cursor's $20/$40/dev base subscription.
Visibility savings (industry avg)
$275 – $440/mo
Per-dev breakdown catches runaway sessions before the bill does.
Estimates per Vantage's 2026 research: Cursor users average $6-15/dev/day on BYOK; heavy Composer / Agent users much more.
⚡ Beta: every plan is free right now. Waitlist members get early-access pricing.
Team
$29
/month · up to 10 devs
Org
$99
/month · up to 50 devs