Cheapest plan with a commercial license: Pika, ElevenLabs, Suno, Luma

The cheapest listed plan with commercial use is ElevenLabs Starter at $6 a month, then Suno Pro at $8, Pika Creator at $35 and Luma Plus at $30 (listed, with a discounted $25 shown). The order flips if you need video rather than audio: for generated video, Luma Plus at $30 is below Pika Creator at $35. All figures are from the vendors' own pages on 2026-10-08.

Two cautions. First, "commercial" is a plan label; each vendor's terms decide what that covers, and Suno's page points to its terms of service for limitations. Second, Pika's Starter plan at $10 has credits but excludes commercial use, so the cheapest paid plan is not the cheapest commercial plan.

What changes the answer

The cheapest license is rarely the cheapest project. ElevenLabs credits are shared across products, with the FAQ listing 1 credit per character of speech and 900 credits per minute of music, so $6 buys 30,000 characters or about 33 minutes of music, never both. Suno Pro gives 2,500 credits a month; Pika Creator gives 3,150 credits for the same license that Starter withholds at 900.

• ElevenLabs Starter: 30,000 credits / 900 = 33.3 minutes of music, if you spend nothing on speech.
• Pika Creator vs Starter: 3,150 / 900 = 3.5 times the credits for $35 / $10 = 3.5 times the price, so the extra money buys the license, not a discount.
• Suno Pro to Premier: $8 to $24 is 3 times the price for 10,000 / 2,500 = 4 times the credits.

Where Sume fits

Sume does not sell a subscription tier for music or video. Music Router charges one fixed Music price per generation, and the Music 1.0 page gives that as $0.125 for each accepted generation. At $0.125, a $6 month of ElevenLabs Starter is the price of 48 Sume tracks, and a $8 Suno Pro month is 64 tracks.

That is arithmetic about price, not about rights. The Sume docs I read describe billing and routing, not licensing, so read the Sume terms before putting a track in an ad. The same applies to every vendor in the table: the license sentence on a pricing page is the start of a rights check, not the end.

Decision rule

If one commercial track a month is all you need, per-job billing at $0.125 beats any plan above on cost. If you generate dozens of songs a month and iterate by ear, Suno's credit pool or ElevenLabs' shared pool will be cheaper per attempt than a flat per-job fee. Pick on volume first, then confirm the license wording with the vendor you choose.