Luma vs Neural Frames (2026): which should you pick?

Pick Luma if

• Fits if your video goes into a production pipeline that wants HDR or EXR files
• Works for people who want an agent to plan and assemble a piece, not just make one clip

Look elsewhere if

• Pricey if you're just trying AI video, as the lowest plan is $25 a month yearly ($30 monthly), and Pro jumps to $75
• Tight if you want 1080p, where Plus's 10,000 credits make about 2 minutes of Ray3.2 a month
• Skip it if you want a free plan, as there's none, and the trial credit amount isn't stated
• Watch out: Team and Enterprise prices come only through sales, and SSO and shared credits need Team
• Not for you if you work from a phone or want a desktop app, as it's web only with no integrations listed

Pick Neural Frames if

• Fits if you make music videos for your own tracks
• Works for artists who want lyric or lip-sync clips

Look elsewhere if

• Skip it if you want a free try, because there isn't one
• Pricey if you're on a budget, as Knight is $26 a month billed yearly
• Tight if you want 4K, since upscaling isn't on the cheapest plan
• Watch out: Knight is marked not recommended for Autopilot
• Watch out: there's no blanket refund, only a case-by-case one for first-time subscribers

Luma

• There is no free plan; new accounts get trial credits, and the pages read do not say how many.
• Credit costs vary widely: Ray3.2 at 1080p costs 400 credits per 5 seconds, so Plus's 10,000 credits make about 2 minutes of it.
• Team and Enterprise prices are given only through sales, and SSO and shared credits need the Team plan.
• Luma is a web app; the site lists no desktop or mobile apps.

Neural Frames

• The three plans differ mainly by credits (2,400, 7,200 or 24,000 a month); longer songs and pricier models use more of them.
• 4K upscaling is not on the cheapest plan, and Neural Knight is marked not recommended for Autopilot.
• Unused subscription credits roll over only while subscribed, up to 300% of the monthly amount, and expire when the plan ends.
• There is no blanket refund guarantee; the FAQ describes a case-by-case refund for a first-time subscriber.

Luma

Luma Agents

Agents research, generate and refine work across video, image, audio and text while keeping a project's context; Luma Skills save a workflow to rerun.

Ray3.2 video model

Text- and image-to-video in draft, 540p, 720p or 1080p, with HDR and EXR export for production work and up to 16 keyframes through the API.

Video-to-video, reframe and extend

Change existing footage with video-to-video and Modify, reframe a clip to a new shape, extend it, and stitch clips with captions into a finished piece.

Uni-1 image model

Luma's image model carries style references, character references and brand guidance into each image; GPT Image and Nano Banana are also offered.

Partner video and audio models

Veo 3.1, Kling 3.0, Seedance 2.5 and MiniMax H3 for video, lip sync from Sync, and ElevenLabs voice, music and sound effects.

Team workspaces

Share credits and manage usage in one place, with projects, team-wide sharing, usage analytics and SSO on the Team plan.

Neural Frames

Autopilot music videos

Upload a song and the tool builds a full music or lyric video with consistent characters, then lets you refine scenes through chat.

Audio-reactive effects

Visuals pulse with the track, and beat-sync intensity can be set per video.

Lyric and lip-sync videos

Show lyrics on screen or sync a character's mouth to the vocal performance.

Short-Form Studio

Makes clips for TikTok, Reels and Shorts, including conversion from horizontal to vertical.

Editors and stem extraction

Frame-by-frame and text-to-video editors give per-scene control, and uploads can be split into stems.

Luma

• Plus$25

  per month for 10,000 credits, billed annually ($30 billed monthly)

  Luma and partner image and video models, commercial use and edit access for guests. Ray3.2 at 720p costs 100 credits per 5 seconds.

• Pro$75

  per month for 40,000 credits, billed annually ($90 billed monthly)

  Everything in Plus, with four times the usage of Luma Agents.

• Ultra$250

  per month for 150,000 credits, billed annually ($300 billed monthly)

  Everything in Pro, with 15 times the usage of Luma Agents.

• TeamCustom

  Shared team credits, projects and team-wide sharing, member management, usage analytics and SSO.

• EnterpriseCustom

  Everything in Team, plus enterprise commitments, dedicated training and custom fine-tuning.

Neural Frames

• Neural Knight$26

  per month, billed yearly ($39 billed monthly)

  2,400 credits a month, 7 AI models, Autopilot, Short-Form Studio and 1080p upscaling. No 4K upscaling.

• Neural Ninja$66

  per month, billed yearly ($99 billed monthly)

  7,200 credits a month, 10 AI models, Autopilot, Short-Form Studio, and 1080p and 4K upscaling.

• Neural Nirvana$199

  per month, billed yearly ($299 billed monthly)

  24,000 credits a month, 10 AI models, everything in Ninja, plus priority upscaling.

Luma

• Annual discount

  Lower monthly rate with yearly billing

  Yearly billing costs $300 a year for Plus, $900 for Pro and $3,000 for Ultra, against $30, $90 and $300 a month; the page says up to 20% saved.

Neural Frames

• Annual discount

  33% off with yearly billing

  The pricing page shows a 33% yearly discount, for example Neural Ninja at $66 a month instead of $99.