Every Luma plan spends one credit wallet on Luma's own Ray video models, its Uni image model and third-party models such as Kling 3.0 and Veo 3.1, each at its own rate, so a plan's credit count means little until you pick a model and a resolution. Plus's 10,000 credits make about 25 five-second Ray3.2 clips at 1080p, roughly two minutes of video, or 500 five-second drafts; how many attempts each approved shot takes, more than the plan price, decides when Pro is worth it.
Luma prices each generation in credits, and the cost depends on model, resolution, duration and output format. The rates below come from the cost tables on Luma's pricing page.
Model and setting | Credit cost | Plus (10,000 credits) buys about | Pro (40,000 credits) buys about |
|---|
Ray3.2, 1080p, 5 seconds, SDR | 400 credits | 25 clips (125 seconds) | 100 clips (500 seconds) |
Ray3.2, 720p, 5 seconds, SDR | 100 credits | 100 clips | 400 clips |
Ray3.2, draft, 5 seconds | 20 credits | 500 clips | 2,000 clips |
Ray3.14, 1080p | 80 credits per second | 125 seconds | 500 seconds |
Ray3.14, draft | 4 credits per second | 2,500 seconds | 10,000 seconds |
Kling 3.0, 1080p with audio | 49 credits per second | 204 seconds | 816 seconds |
Veo 3.1, 1080p with audio | 140 credits per second | 71 seconds | 285 seconds |
Three rules change the math. Ten-second Ray3.2 clips cost three times the five-second price, not twice. HDR output costs twice the SDR price, and HDR with EXR export costs three times as much. And third-party models spend the same credits at very different rates: a second of Veo 3.1 with audio costs almost three times as much as a second of Kling 3.0 with audio.
The practical pattern is to explore in draft or 720p, where Plus stretches to hundreds of clips, and render only approved shots at 1080p or in HDR.
On Plus, 10,000 credits for $30 works out to $0.003 per credit, or $0.0025 on yearly billing. A five-second Ray3.2 clip at 1080p (400 credits) therefore costs about $1.20 on monthly Plus and $1.00 on yearly Plus. A five-second Kling 3.0 clip with audio at 1080p (245 credits) costs about $0.74 on monthly Plus.
Retries are the hidden multiplier. If your team needs four attempts to approve one 1080p Ray3.2 shot, the true cost is 1,600 credits, and Plus covers only six approved shots a month. Measure attempts per accepted clip during your first month before deciding whether Pro's larger pool is worth $90.
The API's Build tier has no minimum commitment, with rate limits and no latency SLA; the Scale tier adds dedicated capacity, an SLA, moderation, prompt enhancement and a no-training guarantee, starting at a minimum of four capacity units.
Ray3.2 API task | 540p | 720p | 1080p |
|---|
Text- or image-to-video, 5 seconds | $0.15 | $0.30 | $1.20 |
Text- or image-to-video, 10 seconds | $0.45 | $0.90 | $3.60 |
Video-to-video, 5 seconds | $0.72 | $1.44 | $2.16 |
Video-to-video, 10 seconds | $1.08 | $2.16 | $4.32 |
Reframe, per second | $0.06 | $0.12 | $0.36 |
Prices are for SDR output; HDR is twice the SDR price and HDR with EXR is three times. The API also exposes Multi-Keyframe control with up to 16 keyframes in one clip and video-to-video up to 20 seconds. A five-second 1080p Ray3.2 clip costs the same $1.20 through the API as it does on monthly Plus, so the API is not a discount route; it is the route for automation.
Content teams and agencies. Pro gives four times Plus's credits for three times the price and raises Luma Agents usage, which matters if you use agents to plan and run multi-step creative work. If several people need shared credits, analytics and SSO, ask Luma about the Team plan instead of buying separate Pro seats.
Studios with heavy volume. Ultra's 150,000 credits cost $0.002 per credit on monthly billing and about $0.0017 on yearly billing, the lowest self-serve rate. It only pays off if the team really consumes that volume every month.