GitHub Copilot

GitHub Copilot gives you inline code completions plus a chat and agent mode across most major editors, with a free tier that covers casual use. It is the safest default if you already work in VS Code or JetBrains and want autocomplete plus light agent help without leaving your setup. The tradeoff is that its agent is less aggressive than dedicated tools like Cline or Claude Code, and in 2026 it moved to usage-based billing with monthly AI credits, so heavy use can cost more than the sticker price.