InVideo AI vs Luma
Both handle Creative shorts, product and ad content. Below we compare only what the official sites publish: prices, annual billing, models and credit rules. We don't judge whose output is better — we have no side-by-side samples to publish, so it would be a guess.
Which to choose, and when
- To try one month on monthly billing: InVideo AI is cheaper, Starter at $20/mo; the cheapest on Luma is Plus at $30/mo.
- If you will use it for a full year: the entry plan billed annually is $120 on InVideo AI and $300 on Luma. Annual plans are usually paid up front, so they only pay off if you use the whole year.
- If you need AI avatar presenters: by this site's use categories only InVideo AI covers it; Luma does not.
- If you want Seedance 2.5: both offer it. We only have an exact official rate for it on Luma, so only there can you work out a month's seconds before paying.
- If you want Seedance 2.0: both offer it. We only have an exact official rate for it on Luma, so only there can you work out a month's seconds before paying.
- If you want Seedance 2.0 Mini: both offer it. We only have an exact official rate for it on Luma, so only there can you work out a month's seconds before paying.
There is no "better overall" verdict. Each point above fits one situation; choose by whichever matters most in yours.
Prices side by side
| Item | InVideo AI | Luma |
|---|---|---|
| Price status | Price verified | Price verified |
| Cheapest plan | Starter · $20/mo | Plus · $30/mo |
| That plan, billed annually | $120 $10/mo equivalent | $300 $25/mo equivalent |
| Most expensive plan | Max · $250/mo | Ultra · $300/mo |
| Credit cycle | Monthly, per seat | Monthly |
| Edition | International website · single seat | International website · individual plans |
| Price last confirmed | Nov 1, 2026 | Nov 1, 2026 |
Amounts are list prices published on the official websites, in US dollars, before tax, and do not mean you can buy in your region.
All InVideo AI plans
| Plan | Monthly | Annual total | Annual, per month | Credits |
|---|---|---|---|---|
| Starter | $20 | $120 | $10 | 400 |
| Plus | $60 | $360 | $30 | 2,000 |
| Max | $250 | $3,000 | $250 | 8,000 |
All Luma plans
| Plan | Monthly | Annual total | Annual, per month | Credits |
|---|---|---|---|---|
| Plus | $30 | $300 | $25 | 10,000 |
| Pro | $90 | $900 | $75 | 40,000 |
| Ultra | $300 | $3,000 | $250 | 150,000 |
Credit rules
InVideo AI
Plan credits reset monthly per seat and unused credits do not roll over; generative models deduct at their own rates.
Luma
The plan's credit pool covers Luma and third-party models; cost varies widely by model, resolution, length and audio, so credits do not translate directly into a number of videos.
Credits are not a shared currency: one InVideo AI credit and one Luma credit buy different things, so the counts cannot be compared directly.
Which models it offers
InVideo AI
Seedance 2.5, Seedance 2.0, Seedance 2.0 Mini, Seedance 2.0 Fast
Luma
Ray3.2, Ray3.14, Kling 3.0, Kling 3.0 Turbo, Veo 3.1, MiniMax H3, Seedance 2.5, Seedance 2.0, Seedance 2.0 Mini, MiniMax H3 Max
From each tool's own official pages (pricing or model pages). Which models a plan includes changes between versions; each model page gives its source and when it was last confirmed.
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