How do Lume credits work?

Understanding credit allocation, rollover, and usage

Quick Answer

Each photo generation consumes 1 credit at standard 1K resolution - higher-resolution exports use 2 credits (2K) or 3 credits (4K). You get 3 free credits when you sign up (one-time). Paid plans include monthly product photos: Pro (up to 60), Business (up to 240), Growth (up to 420), Studio (up to 720). All paid plans include credit protections-get your credit back if you're not happy with a result. Fresh credits arrive at the start of each billing cycle, and unused monthly credits roll over at renewal - for 1 month on Pro, 2 on Business, 3 on Growth and 4 on Studio. Annual plans receive the whole year's credits upfront, valid until renewal.

Credit Allocation by Plan

Signup Credits

5 one-time

Perfect for testing. One-time credits, no expiration.

Pro Plan

Popular

60 / month

Ideal for growing catalogs. $9/month. Includes 15 credit protections.

Business Plan

240 / month

For teams and agencies. $29/month. Includes 70 credit protections.

Growth Plan

420 / month

For scaling brands. $49/month. Includes 130 credit protections.

Studio Plan

720 / month

For high-volume teams. $79/month. Includes 240 credit protections.

How Credits Are Used

Credits Scale with Resolution

A standard 1K generation uses 1 credit. Higher output resolutions use more - 2 credits for 2K and 3 credits for 4K. Scene type, props and aspect ratio never change the cost.

Choose the Right Template First

Take time to pick the template that best matches the look you want before generating. Each new generation costs at least 1 credit, so choosing the right scene up front helps you get the perfect shot.

Refine Edits: Free Tools and Priced Tools

Refine opens any photo and changes one thing at a time. Three tools are free: Remove background (a daily allowance per plan instead of credits), Crop and Adjust. AI edit, Erase, New background, Relight, Recolor, Move and Expand cost the same as a generation, 1 credit at 1K, 2 at 2K and 3 at 4K; Expand is charged at the size the bigger frame needs. Upscale costs the step up from the photo's size: 1 credit from 1K to 2K and 2 from 1K to 4K, with 2K from Pro and 4K from Business.

Video: Priced per Clip

Animate turns a finished photo into a short clip with sound. The price depends on length and size: a six-second clip is 13 credits at 720p, 19 at 1080p and 38 at 4K. 720p is on Pro and up, 1080p from Business, 4K from Growth. The cost shows on the button before you confirm.

Protection Covers Generation Only

Credit protection applies to image generation. Refine edits and videos are final, and a photo that has been edited can no longer be refunded. Hold to see the original before you keep a result, and step back through versions if you change your mind.

Credit Refresh Schedule

Monthly Refresh on Billing Anniversary

Fresh credits arrive on the same day each month that you subscribed, and anything unused rolls over into an expiring rollover pack. For example:

Scenario 1: Subscribed on January 15th → Fresh credits arrive on the 15th of every month

Scenario 2: Subscribed on March 3rd → Fresh credits arrive on the 3rd of every month

You can view your next refresh date in your account settings under Subscription.

Rollover & Expiration Policy

Unused Monthly Credits Roll Over

When your plan renews, any unused monthly credits automatically become a rollover credit pack. How long it stays valid depends on your tier: Pro 1 month, Business 2 months, Growth 3 months, Studio 4 months. Unused credit protections roll over the same way, inside the same pack.

Annual Plans: A Full Year Upfront

Annual subscriptions receive the entire year's credits (and protections) upfront at the start of each annual period, valid until the annual renewal date. Anything left at renewal rolls over per your tier's window, just like monthly plans.

Spend Order & Expiration

When you generate, Lume always spends your soonest-expiring credits first - rolled-over and add-on credits before your fresh monthly allocation - so nothing lapses unnecessarily. Rolled-over and add-on credits are removed if your subscription ends (including after the grace period following a failed payment). Signup credits are one-time and do not reset.

Need More Credits?

You can buy add-on credit packs anytime from your subscription page to top up beyond your monthly plan credits. Each pack adds credits and credit protections, stacks on your monthly balance, and is valid for 60 days. Paid plans get a discount: Business 5% off, Growth 15% off, Studio 25% off.

Frequently Asked Questions

How many credits does one generation use?

A standard 1K-resolution generation uses 1 credit. Higher resolutions use more: 2 credits for 2K and 3 credits for 4K. The scene, props and aspect ratio never change the cost.

When do credits refresh?

Fresh monthly credits arrive at the start of your billing cycle, on the same day you subscribed - and anything unused rolls over automatically at renewal.

Do unused credits roll over?

Yes. Unused monthly credits roll over automatically at renewal - for 1 month on Pro, 2 months on Business, 3 months on Growth and 4 months on Studio. Annual plans receive the entire year's credits upfront, valid until renewal, and anything left at renewal rolls over the same way. Rolled-over credits are spent first (soonest-expiring first) and are removed if your subscription ends.

Can I purchase additional credits?

Yes. You can buy add-on credit packs anytime from your subscription page to top up beyond your monthly plan credits. Add-on pack credits are valid for 60 days, and paid plans get a discount: Business 5% off, Growth 15% off, Studio 25% off.

What happens if I run out of credits?

You can buy an add-on credit pack, upgrade your plan, or wait until your next billing cycle when fresh credits arrive. If you need help, contact us at support@lume.pics.

Do Refine edits cost credits?

Some do. Remove background, Crop and Adjust are free. AI edit, Erase, New background, Relight, Recolor, Move and Expand cost the same as a generation: 1 credit at 1K, 2 at 2K, 3 at 4K (Expand is charged at the size the bigger frame needs). Upscale costs the step up from the size of the photo: 1 credit from 1K to 2K, 2 from 1K to 4K; 2K from Pro, 4K from Business. Refine edits are final: credit protection covers image generation only.

How much does a video cost?

Animate is priced per clip by length and size. A six-second clip is 13 credits at 720p, 19 at 1080p and 38 at 4K. 720p is on Pro and up, 1080p from Business, 4K from Growth. Videos are not refundable.

Is background removal really free?

Yes. Remove background never takes credits. Each plan has a daily allowance instead: 2 removals a day on Free, 10 on Pro, 20 on Business, 40 on Growth and 75 on Studio, reset every day.

Ready to start creating?

Start with 3 free credits, no credit card required

Get Started

Last updated: 2026-07-26