Luma AI

The homepage has a “Try for free” button that leads to account sign-up, but the pricing page lists only Plus, Pro, Ultra, Team and Enterprise. No free plan, free credit amount or trial length appears there. The payments guide, last updated in January 2026, describes a Free plan limited to draft video with watermarks and personal use, yet the same guide lists Lite and Unlimited tiers that no longer exist.

Treat free access as unconfirmed until the account screen shows a balance. The terms still contain rules for free use: output made outside an active paid subscription cannot be used commercially, and Luma receives a license to publicly display and distribute it. A free test is therefore a look at the interface, not a way to make client work.

Luma prices each model per second of video or per image, so the same plan buys very different amounts of footage. The cheapest route is Ray3.14 draft mode for exploring ideas; final renders at higher resolution, HDR or with third-party audio models cost many times more. The credit guide adds that usage rounds up, so a 9-second clip is billed as 10.

• Ray3.14 text-to-video or image-to-video: 4 credits a second in draft, 10 at 540p, 20 at 720p and 80 at 1080p; HDR costs 4 times the base rate.
• Kling 3.0 at 1080p: 40 credits a second without audio and 49 with audio.
• Seedance 2.0 with audio: 51 credits a second at 720p and 126 at 1080p.
• Veo 3.1: 140 credits a second without audio and 280 with audio, at 720p or 1080p.
• Images range from 1 credit for a 1K Seedream image to 255 credits for a high-quality 4K GPT Image 2 render.

Credits per dollar rise with the tier. On monthly billing, Plus gives 10,000 ÷ $30 = about 333 credits per dollar, Pro 40,000 ÷ $90 = about 444, and Ultra 150,000 ÷ $300 = 500. The multipliers for the Luma Agents are separate: Pro lists 4x and Ultra 15x agent usage, but the pricing page does not state the Plus baseline.

Editorial assessment

Stay on Plus if you mostly render drafts and short 720p clips, since 10,000 credits cover about 100 five-second Ray3.14 clips. Move to Pro when a month of work needs well beyond 10,000 credits, such as more than 125 seconds of 1080p Ray3.14. The current pricing page does not list top-up prices, so compare the in-app top-up rate with the $60 gap first. Ultra fits teams running agents daily; Team is needed for shared credits and SSO.

The terms assign Luma’s rights in generated output to you, but only output produced during an active paid subscription that allows commercial use can be used commercially. The assignment does not cover rights that third parties hold in output from their models, and the terms warn that other users may receive similar or identical results.

Luma reserves the right to embed watermarks, content credentials or provenance metadata in output, and the terms forbid removing or obscuring them. Keep a record of which plan was active when each asset was made, and check the exported file for visible marks before delivering it to a client.

During paid use you grant Luma a license to use your input to provide the service and to train and develop its AI models, and a perpetual license to output for the same purposes. During free use the license widens to public display, reproduction and distribution. The privacy policy, updated April 20, 2026, also lists model training among the uses of personal information.

Uploaded footage, product photos and scripts can therefore end up in training data. Keep unreleased products, client material and recognizable people out of the tool unless you have permission for that use. After a subscription ends, the terms give 30 days to export your input before Luma may delete it.

Web subscriptions are billed through Stripe and renew at the rate in force at renewal, regardless of earlier discounts. The payments guide says upgrades apply immediately with prorated billing, downgrades take effect at the end of the cycle, and credits reset on the same date each month. iOS subscriptions are billed and refunded by Apple.

The terms call all fees final and non-refundable unless Luma decides otherwise. The payments guide describes a request window of 30 days from purchase or renewal for web plans that are unused or mostly unused, at Luma’s discretion. If you are testing a plan, keep usage light until you know whether you will stay.

1. Record the credit balance and the plan before the first prompt.
2. Generate three draft image-to-video passes and pick one direction.
3. Render three 5-second 720p shots in that direction and one retry for the weakest shot.
4. Download the files and check resolution, duration, product shape and any visible watermark outside the app.
5. Record the credits actually used and compare them with the 360-credit estimate plus the retry.

Accept three shots whose product keeps its shape and label across frames and a credit total within the published rates. Reject warped packaging, invented text or a charge that the rate table does not explain. No output or credit figure is reported until the exercise is run.

For another per-second credit video suite that also edits footage, compare Runway. To run image-to-video on your own GPU without credits, see FramePack. To upscale footage you already have rather than generate new shots, look at Topaz Video.