Five axes matter when you compare options. Score each tool from 1 to 5 and the winner usually picks itself.
Model quality and routing. The agent is only as smart as the model it calls. In 2026 the frontier is Claude Opus 4.5 and GPT-5 family models for hard reasoning, with Haiku and smaller models for cheap edits. Tools that let you pick the model (Cursor, Cline, Aider) give you control over the cost/quality tradeoff. Tools that route automatically (Claude Code, Devin Desktop) give you fewer knobs but better defaults.
Codebase understanding. How does the agent figure out what is in your repo? Indexed (Cursor, Augment, GitHub Copilot Workspace), grep-walked (Claude Code, Aider), or memory-based (Devin)? Indexing scales further but creates a sync problem. Grep-walking is honest and fast on small to mid repos. Test it on a real repo of yours, not a toy.
Integration depth. IDE agents (Cursor, Windsurf, JetBrains AI) keep you in the editor you already use. CLI agents (Claude Code, Aider, Codex CLI) work over SSH, in containers, and inside CI. Cloud agents (Devin, Replit Agent, Cosine Genie) run on someone else's machine and report back. Pick the surface where you actually spend your day.
Pricing model. Flat monthly seats are easier to budget (Cursor Pro $20/mo, GitHub Copilot $10/mo individual). Usage-based pricing scales with workload but can spike (Claude Code's API-passthrough, Devin's task-based pricing). Free open-source CLIs (Aider, Continue) plus a bring-your-own API key are the cheapest path if you already have credit at Anthropic, OpenAI, or Google.
Code ownership and privacy. The agent reads your source. Where does it go? Local-first agents (Cline running locally, Aider) keep code on your machine and only send relevant snippets to the model. Indexed agents (Cursor, Augment) ship code to a vendor index. Cloud agents (Devin) run on vendor infrastructure. For client work and regulated codebases, this is the first axis, not the last.