# How do OTOY Studio credits and plans work?

OTOY Studio charges in credits. One credit is €0.01, so 100 credits is €1. Every model run costs a set number of credits based on the model and the settings. The node shows the exact cost before you press run. There are no separate subscriptions per model: every plan, including Free, can use all 100 models.

## Plans

| Plan | Price (annual billing) | Price (monthly billing) | Credits per month | Discount on every run |
|---|---|---|---|---|
| Free | €0 | €0 | 100 | None |
| Essential | €19/mo | €26/mo | 2,000 | 10% monthly, 15% annual |
| Pro | €95/mo | €112/mo | 10,000 | 15% monthly, 20% annual |
| Ultra | €200/mo | €220/mo | 20,000 | 20% monthly, 25% annual |

- **Free** gives you 100 credits a month, no credit card, and up to 5 active workflows.
- **Paid plans** have no workflow limit and take a discount off the credit cost of every run: 10% to 25% depending on plan and billing period.
- **Rollover:** on Pro and Ultra, unused monthly credits roll into a bank capped at 30,000 (Pro) or 60,000 (Ultra). Banked credits are spent first and never expire. On Free and Essential, unused monthly credits reset at renewal.
- **Top-ups** are available on every plan at 100 credits per euro. They never expire, survive plan changes and cancellation, and are used after your monthly credits.

## What a run costs

A few examples at list price:

- **An image:** from 1 credit with Z-Image Turbo up to 28 for Nano Banana Pro at 4K.
- **A video clip:** a 5-second Kling 3.0 clip at Standard quality starts at 39 credits. At the top end, 15 seconds of Seedance 2.0 at 4K with audio is 2,152 credits.
- **A 3D model from an image:** from 2 credits with Trellis up to 110 for Meshy 7.

The full per-model list is at [otoy.studio/models](https://otoy.studio/models), and per-second video prices are in [how much AI video costs per second](https://otoy.studio/answers/ai-video-cost-per-second).

## Which plan to pick

A rough way to decide: estimate how many runs of your main model you make in a month and multiply by its credit cost. If that's under 100 credits, stay on Free. If you land between plans, the cheaper plan plus top-ups is often better than moving up, because top-ups never expire. If you generate a lot of video, Pro and Ultra pay for themselves through the larger per-run discount and rollover.

## Rights

You can use everything you generate commercially, including client work and ads. No attribution is required, and there are no watermarks on paid plans.

_Last verified 2026-09-28. Prices and model lists come from OTOY Studio's billing configuration, exported 2026-09-28._