Higgsfield AI vs Luma AI: AI video and image pricing compared
Updated 2026-11-10 · listed A to Z, not ranked
Higgsfield is an AI creative suite for images, video and voice. It sells monthly credit plans, and agents can also pay per call in USDC over x402 (see our daily check below).
Luma AI makes the Dream Machine app and Ray video models. Plans are monthly credit allowances spent on image and video generation.
Listed A to Z, from higgsfield.ai and lumalabs.ai. Every figure below is quoted from those pages.
- Main price table
- Starter, Plus, Ultra
- Free option
- None in the published plan table
- Published prices
- Starter $19, Plus $47 and Ultra $99 a month billed yearly with monthly credits, plus its pay-per-call x402 endpoint from our daily check.
- Main price table
- Plus, Pro, Ultra, Team and Enterprise
- Free option
- None in the published plan table
- Published prices
- Plus $30/month for 10,000 credits, Pro $90 for 40,000, Ultra $300 for 150,000. Yearly saves up to 20%.
How we checked: Prices quoted from each official pricing page: Higgsfield AI checked Nov 10, 2026, Luma AI checked Nov 10, 2026. Taxes, usage overages and promotions can change what you pay; confirm with each provider before you buy.
How they compare
- Main price table. Higgsfield AI lists 3 entries (Starter, Plus, Ultra); Luma AI lists 4 (Plus, Pro, Ultra, Team and Enterprise).
- Lowest listed paid tier. Higgsfield AI: Starter $19. Luma AI: Plus $30/mo. Billing terms differ (per user or flat, monthly or annual), so check what each tier includes below.
- Free option. Higgsfield AI: none in the published plan table. Luma AI: none in the published plan table.
- How prices are quoted. Higgsfield AI: “Plans (billed yearly)”. Luma AI: “Plans”.
Higgsfield AI plans and prices
| Plan | Price | Credits per month | Notes |
|---|---|---|---|
| Starter | $19 per month | 270 | About 135 Nano Banana Pro images or 15 Seedance 2.0 Fast videos, per the page |
| Plus | $47 per month (shown against $59) | 1,200 | Unlimited Seedance 2.5, Nano Banana Pro, Seedream 5.0 Pro and GPT Image 2.6 for 7 days |
| Ultra | $99 per month (shown against $129) | 3,000 |
From higgsfield.ai, checked Nov 10, 2026. Full breakdown: Higgsfield AI pricing.
Luma AI plans and prices
| Plan | Price | Credits per month |
|---|---|---|
| Plus | $30/month | 10,000 |
| Pro | $90/month | 40,000 |
| Ultra | $300/month | 150,000 |
| Team and Enterprise | Contact sales | Custom |
Prices as displayed when the page loaded; Luma says yearly billing saves up to 20%. Example usage cost: a 5-second Ray3.2 text- or image-to-video clip at 360p uses 20 credits.
From lumalabs.ai, checked Nov 10, 2026. Full breakdown: Luma AI pricing.
FAQ
How much does Higgsfield AI cost?
Starter $19, Plus $47 and Ultra $99 a month billed yearly with monthly credits, plus its pay-per-call x402 endpoint from our daily check. (checked Nov 10, 2026).
How much does Luma AI cost?
Plus $30/month for 10,000 credits, Pro $90 for 40,000, Ultra $300 for 150,000. Yearly saves up to 20%. (checked Nov 10, 2026).
Do Higgsfield AI and Luma AI have a free option?
Higgsfield AI: none in the published plan table. Luma AI: none in the published plan table.
What is the cheapest paid plan, Higgsfield AI or Luma AI?
Lowest listed paid tier: Higgsfield AI Starter $19; Luma AI Plus $30/mo (as quoted on each pricing page). Billing units differ, so compare what each includes.
Which is better, Higgsfield AI or Luma AI?
We do not pick a winner. The two price and package their products differently; the tables above quote each official pricing page so you can match a plan to your own usage.
Where do these prices come from?
Each vendor's own pricing page: higgsfield.ai (checked Nov 10, 2026) and lumalabs.ai (checked Nov 10, 2026). Prices change; confirm on the vendor's page before you buy.
Sources (official pages, read 2026-11-10)
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