5 tools, in alphabetical order (this isn't a ranking). Check each tool's commercial-use notes before you ship assets in a game.
| Tool | Free plan | Commercial use | API | MCP |
|---|---|---|---|---|
 Cursor | Free plan | Commercial use allowed | Not applicable | Connects to MCP servers |
 GitHub Copilot | Free plan | Commercial use allowed | Not applicable | Connects to MCP servers |
 Ludus AI | Free trial or credits only | Commercial use unverified | Unverified | Unverified |
 Unity AI | Free plan | Commercial use unverified | Not applicable | Official MCP server |
| Windsurf | Free plan | Commercial use allowed | Not applicable | Connects to MCP servers |
AI-first code editor with agents, chat and codebase-aware edits; usable for gameplay code in any language or engine.
Verdict: For devs who want an AI-first editor with a free tier; its terms assign suggestion rights to you, and third-party model usage is billed separately.
AI coding assistant with code completions, chat and agent mode; usable for gameplay code in any engine's scripting language.
Verdict: For coding in any engine with a free starting tier; GitHub says it doesn't own suggestions, and IP indemnity only comes with organization plans.
AI toolkit that runs inside the Unreal Engine editor: an agent that understands your project's Blueprints, C++, assets and levels and can answer questions and make edits.
Verdict: For Unreal devs who want a project-aware assistant in the editor; it has no free credits beyond a 14-day trial, and its output licence is unverified.
AI built into the Unity Editor: an Assistant for project questions and code, plus generators for images, textures, materials, sounds, 3D models and animations, metered in Unity Credits.
Verdict: For Unity users who want AI inside the editor, with monthly credits included on Personal, Pro and Enterprise plans; AI-output licence terms are unverified.
AI code editor with agentic coding and unlimited tab completions on the free plan.
Verdict: For an AI code editor whose free plan includes unlimited tab completions; its terms assign output rights to you.