Price per credit on monthly plans: Runway, Luma, HeyGen, Synthesia

On the monthly-billed paid plans listed on 2026-10-11, a credit costs about 0.2 to 0.3 cents at Luma, 1.0 to 2.4 cents at Runway, 1.5 to 2.3 cents at Synthesia and roughly 4.8 to 9.9 cents at HeyGen. Those numbers are real arithmetic on listed prices, but they do not rank the tools: each vendor defines a credit differently, so a cheaper credit does not mean a cheaper video.

What does one credit cost on each plan?

The table divides each plan's listed monthly price by its listed monthly credits. Runway lists a lower rate for annual billing, so the regular monthly price is used here. Cents are rounded to two decimals.

Why is a cheaper credit not a cheaper video?

A credit is a vendor-defined token. Luma lists detailed credit costs per model on its pricing page, and Synthesia translates its credits into approximate video minutes (about 12 minutes on Starter and about 60 on Pro per month). Runway and HeyGen likewise attach credit costs to each model or feature. The same finished clip can use very different credit counts on each tool, so the only fair comparison is dollars for a specific output.

• Within one vendor, a higher plan usually lowers the credit price, as the table shows for Runway, Luma and Synthesia.
• HeyGen's listed Business plan has a higher per-credit figure than Creator or Pro, but it adds 60-minute videos, five custom avatars and team collaboration, so the credit is not the only thing you are buying.
• Across vendors, convert to a known output first: one 10-second 1080p clip, or one finished minute.

How does Sume price the same thing?

Sume does not sell credits. Its plans are Free at $0, Pro at $40 a month, Startup at $120 and Scale at $400, and they set access and concurrency (1, 4, 8 and 20 concurrent jobs). Usage is drawn from a prepaid team wallet that you top up with on-demand purchases from $10 to $1,000, and generation and API calls are billed at each model's published USD rate. The public metered API rate card is the source of truth for prices.

That means the dollar cost of a clip is read straight from the rate card, with no credit conversion step. It also means you can only compare Sume to a credit vendor after you convert the vendor's credits for that exact model, which is the step the table above cannot do for you.

What should you do before choosing a plan?

Pick the one output you make most often, look up its credit cost on each vendor's page, multiply by the credit price in the table, and compare with the rate-card dollars. Re-read the pages on the day you buy, because plan prices and credit allowances change.