For most solopreneurs making money with AI tools, **Windsurf is the clear winner**. It's free (or near-free), uses Claude, and has agentic capabilities that handle multi-file changes automatically—exactly what you need when you're shipping fast and watching your burn rate. If you're already in the VS Code ecosystem and want maximum flexibility, GitHub Copilot + VS Code is the safe second choice. Cursor is still excellent if you can justify the subscription ($20/month) and prioritize the smoothest possible UX. Skip JetBrains unless you're already paying for their IDE. And keep Claude.ai or the API in your toolkit regardless—it's the most capable brain for the hard architectural decisions that separate successful products from mediocre ones.